Hi Annie, your request seems pretty simple honestly. Let me know if you want my help in-world, I don't need to charge you for anything. Estimates vary a lot based on the head/body you choose. My recs:
Head: Lelutka ~$3k
Body: Maitreya (best for slimmer physiques) $2.5-3k? I forget. If you want smaller boobs you can get the petite add-on
Skin: for ginger skintone/freckles I recommend Pepe Skins, DeeTaleZ, Sessions for hyperrealism, these are usually $1k-1.5k including body skin appliers
Shape: Make your own, or buy. I like minou minou for $300. I'm happy to help you with it too
Hair: Lots of options for ginger, I like Truth, Doux or Stealthic have great ginger shades, about $300-500
Glasses: Lots available, probably $200ish
Clothing presets: Addams or Blueberry might be your style. An entire fatpack of one outfit is usually $1-2k and that already gives you a lot of variety when it comes to colors etc
So you can probably get a pretty nice avi with about $10k total. If you don't want a lot of fuss, you can always buy a shape from marketplace then follow the stylecard, say: https://marketplace.secondlife.com/stores/154892