American Girl Create Your Own
I caved and ordered a Create Your Own (CYO) from American Girl. I was able to customize the skin tone, face mold, add freckles and earrings, hair color and style, eye color, clothing and accessories, and added glasses. I had so much fun with it. Though it was expensive, I got a deal by using a coupon for signing up with their emails, and rewards.
Here's what she looks like on the website:
Here she is in person (click image to enlarge):