For faster it depends on how well you know the proggy.I wouldn't judge by faster but instead by quality.Still I go with Idraw because it's easy as hell to use for charsets.I haven't ever tried to make chipsets so I don't know where to go there.


As for you multiple stories,it depends on what you have planned for it.Tell me exactly how you want it and I'll try to help you make it work.


As to where you set it up in the beginning where you choose chars:
Having a generator with all the graphics loaded would be hard as hell in my opinion and not something I would want to undertake.
As to the choose between a couple pre made chars that is easy.
But again I would have to know exactly how you would wanna do it. This is because you might need to use a small CMS or a cursor.