In Champions Online the character customization is very similar to City of Heroes (it's from Cryptic). In some cases better (left/right hand/arm/leg/foot can be customized individually, I always wanted that for CoX), in some cases it's not so good (structure of the GUI and intuitive handling). But I don't know how rich the pool of available costume pieces is without subscription or extra purchasable costume packs (I think CoX is superior in variety of choices ... to any other MMO).
Greetings,
Mendagir