varitaion of prefabs

hi,

i want to create a tilemap style game where you build an office with many employees, similiar like game corp dx, another brick in the mall, and prison architect.
the question is, are those games create many character prefabs to make more variety of people? or they just create base character prefabs and attach them with hair and clotes to create more varietty?

sorry for my bad english, i hope you understand ^-^