If you are curious of how i draw, here i give you my way to draw art, i don't know if this even allowed
1. Base Model
2. Characters Hair, eyes, etc
3. Characters Clothing
Im not trace it as you can see, i use the reference to draw the clothes and use my own mind to draw the hair and sometime use the character's hair (if i draw a fanart)
Here's the character clothes reference
jthrash
Using a generic base mesh for pose and anatomy reference and adding your own details, outfits, facial features, etc. is not only allowed, but encouraged.
I think it's only a problem if you exactly trace over someone else's character without making any changes or just AI-generate the whole thing, but using a "generic anime girl" base mesh no one owns the rights to and then adding tons of unique details until it looks completely different the "generic anime girl" base is perfectly okay. Masahiro Sakurai basically uses a "generic anime boy" and a "generic anime girl" figurine to help his team animate for Super Smash Bros, for instance.
From an artistic standpoint, though, using the same base mesh over and over can result in one's characters looking the same, having the same face, same body type, all that. You might want other base meshes to draw over, not just that one girl, for more variety.