The lag depends on what language you are using: In DB Classic there is very little lag, but DB Pro hates it when you create objects on the fly. Very slow. In my RTS (below) I create the objects in the fly because it is in Classic. For a Pro program this is what you do:
-Load one of each type of guy as template objects
-When a new object is made, simply clone the template object
In classic and pro there is a change mesh command which you can use on limb 0, but it will not change the UV data, only the mesh, causing problems if your two objects have different UV maps...
I hope I helped, Good Luck
Xander Moser of Bolt Software
Firewall: Your Computer's First Defense - Real Time Strategy game
