Anyone wanting to make their own avatar from scratch here's a quick rundown guide on the steps.
>Create references using makehuman.
>Draw your character on top using mypaint
>Export as pictures
>Create an array cube with # of heads to keep proportions like a 5 head loli
>Fix your reference proportions on Krita
>Create a basemesh using basic geometry primitives and the blender mirror modifier
>Start to properly sculpt the character using references
>Join them into a single mesh
>Voxel remesh
>Edit the mesh using dynamesh into a proper basemesh
>Retopo using retopoflow
>Add a single linear subdivision modifier and apply
>Sculpt basic shapes, mask and separate meshes to create shoes and shirt
>Sculpt main shapes
>Retopo
>Set up main folds using Cloth sim
>Multiresolution modifier
>divide until 1 million vertex
>Add surface details and wrinkles using brush alphas and cloth brushes
>create UV using UV packmaster and material setup
>Bake normal map, color id map, dust and occlussion maps using TextTool addons
>Create materials using Material maker
>Import to armor paint, setup the id maps
>Paint the layers using the material maker materials and your textool baking textures
>Add Multilayered PBR materials
>Export the textures
>Create final low poly mesh with all the PBR textures
>Set up custom rig using rigyfy
>Animate using rigify custom rig using the curves and dopesheet editor
>Append everything to a fresh blender project
>Apply the CATS Fix Model
>Export and import into Vrchat
Easy.