Hell, if you really wanted to save money on a female character model, do the following: make all the male characters less muscle bound, and have the female one use their model. Then you can have it be a plot point that she's concerned about her weight. Boom! Now you have a female character, and you can be inclusive of those with body issues.
Because not every woman has a perfect figure, and not every woman with a slim figure is like a super model.
The intro of video make me laugh a lot, but now i think gonna have nightmares :/