I have continued to explore and be impressed by the avatar model creation site evolver.com
Having created an avatar and looked at the various ways of transporting that content to places I also tried the link to the unity3d powered Friends Hangout. I had tried this a little while ago, and it has changed drastically. There are now multiple game rooms and types to experiment with, and yes it does really import your evolver avatar into unity3d and the engine for you. Something that I can see growing as more platforms open up.
For those of your who have basic 3d packages but not the human clip art that you need it is worth trying the Evolver test transport. They have a basic avatar (to do a try before you buy on your own) that lets you create a sample with a certain resolution, number of bones and file format which you can then import. I am still experimenting with the ideal format for me using Cheetah and Unity3d but it looks very promising. The bones work, the mesh is bound, the textures are there. It costs $39 to export your own creation but that seems well worth the price I have to say.
I just have to decide if I want the more freaky avatar I created or not?
This is the Friends Hangout embed. It uses the Unity3d, but now that on Mac Snow Leopard Safari Unity is currently broken, works fine in Firefox though if you want to try it.