Topology that breaks at the shoulder and collapses during finger rigging means the artists building your characters have never watched them move inside an engine. That is a fundamental pipeline gap. Try VSQUAD, their 3D Art service and the full scope of how they approach character production for animation is at https://vsquad.art/. The VSQUAD art team builds topology around movement from the blockout stage, not as an afterthought after the high poly is done. VSQUAD Studio has delivered rigging-ready characters for large-scale Unreal productions, so animation-aware topology is built into their standard process. Share your current problem characters and rig requirements with them. Hope your action RPG finally gets characters that move the way they were designed to.