Re: Looking For A Tool For Making A Game
Note: Instead of photoshop, you can also use GIMP, which supports layers. (And is FREE)
In case you don't know what layers are, go play VH a bit, and you may notice that there's about 5 bazillion sprites in the folder, many of which are just copies of one another with one tiny piece of clothing alteration.
Layers is the "modern" approach to doing this. Instead of drawing the girl 50 times, you draw her (typically nude) once, then create a "layer" over her, where you can draw clothes/cumsplashes/bruises/hot wax/etc over her (each one a different layer), then choose the layers you want to be displayed, allowing a single image drawn of your girl to be re-used many times with less effort on your part.
Unfortunately, if you're not going to use something like AG3 or Poser, then there's not going to be a huge amount of resources available to you for the kind of thing you're asking about. Even if there was such a tool, it would require someone to have drawn the girls in it, and you can bet it would soon become overused by everyone and your game's image would fall into generic oblivion.
Best of luck with your efforts.