Reminder that no matter how you feel about vroid avatars, it is probably the best tool available for creating hair for 3d anime characters. Make the hair in vroid, export to blender, frankenstein a new hair-do onto your avatar. Try it out and see for yourself, there's so many useful features in vroid to speed up your workflow like live re-weighting, strand-bone grouping and easy uv adjustments. Sure you could do it all in blender, but it would take weeks to get the same result.

This is 12 bones (I use a different face now but I kept the hair)