If you use the default Kemono body and a simple outfit, you can probably keep the complexity to be lower than 30k. Also just to add, the figures I gave above included hair as well.
I checked real quick just now and torso length can be edited on the default kemono av through system sliders, as well as quite a few other things. Some other stuff on the default av, like breast size, cannot be edited and that's often why people go for the fitted torso add-on. Depending on what stuff you want to adjust you might be able to just use the default kemono avatar without going for the add-on.