You forgot XSI uses non-destructive NON-LINEAR ANIMATION la?
so, you don't have to redo animation because once you save the animation, you can apply to any character!
i believe "Reference model" is only needed when you have a team of people each doing a different task. but well, i guess you can use that to do what you want. Just save/export the whole model tree of your character as .emdl model. Then just start a new scene and File>Import>Reference model!
Any change to .emdl model can be updated in your animation scene through Edit>Model>Update Reference Model.
An alternative way is to use the "Character Substiution" Script in NetView.
Hope that helps!
