Hmm... why don't buy Poser 5 which comes with nice male/female low-poly figures at 199$ ?
A friend of mine has Poser 5, and I certainly haven't seen any low-poly figures with it. Unless you call 40,000 polys low poly. I seem to recall the meshes were segmented too, lacking any useable way to UV map them for game use, and with no way to export to b3d.