Thanks everyone, information is really useful. So I managed to create a person by the following way. Firstly made a body with some proportions in MakeHuman (http://www.makehuman.org/), to tell you the truth, this models not very good looking, but this is the best solution for basemesh. That is why after this step I went to tne Marvelous Designer (https://www.marvelousdesigner.com/) and created some clothes. After that I put clothes model in 3ds MAX, made boots and helmet. Then retopology and skinning. Don't know how it work in unity but in UE4 there is an option where you can combine two skeletal meshes together. That is why I desided to make armour and pouches as a second skeletal mesh. And then, you know, some basic stuff like UVs, texturing. I' ve created basemesh in MakeHuman only to make clothes in marvelous and never use it after it.

So I want to say that I realised that this is not very complicated process and it allows you to create characters very easy. But in my situation there some special things. Character don't have a face, it's covered under the helmet, but if your character have an open face this way will not work for you on 100%.