While it's not indie: Cyberpunk 2077?

You can make your character as pretty as you please (though, no "sex appeal" -slider like in Saint's Row :D). Also, no 3rd person camera, so you'd only see your character in inventory screen. Otherwise there's bit of boobies to be seen - and massive amounts if you so choose with modding.

Difficultywise it'll cater to very casual approach, but the game does the "bethesda-thing" where you will end up as destroyer of worlds regardless of difficulty.

edit: btw, you might want to specify your platform? No modding for cyberpunk on consoles as of yet, I just assumed PC here.