Your idea is interesting, but it has many shortcomings in terms of implementation. The best option is to prepare 10 or more models and use them in the game. It will be much faster than creating each individual skeleton.
Basic Characters provided by @atepkinniku
Partial estimate:
Investigate ethnic types of europe - 4 hours
Edit model skeleton - 1 hour for each
Prepare manager for models management - 3 hours
Edit multiplayer controller for applying models for opponents - 6 hours
Partial estimate: