Having the Fantasias change only Race, Gender and Clan could lower the price however, I still see us paying around 10 bucks for a gender and race change regardless of whether skin tone is included or not.
From A technical stand-point they would have to do A Major update to the creation system when they could invest that time into something else like better designs & emotes for the current races.
Personally, I feel like it might borderline be over customization. Allowing us single player customization in an MMO where your look is supposed to be your identity doesn't sit well with me. I barely recognize people with out name tags now, so I can only imagine my frustration when a friend or FC member goes through 10 identities in less than A week.
Customization needs to be more open but it should still be about making choices that last and you should pay to make major changes. Going a few shades more gray like a Tan I'm fine with, but being able to turn any color on the spectrum at will, I'll save that for single player console games.