The importance of having an MC really comes down to what kind of story you're trying to tell. It's impossible to tell a story without some form of perspective character, even stories in third person has "main characters", there's no getting around it without getting very avant garde and...
Well that's what I'm getting at. P2 and P3 hold very minor visual customization things, but are also pricy investments of coins that are better spent just sitting in the bank until you hit P4, or now P5. Genuinely you could look at P2 and P3 as hindrances in actually getting things quicker...
So now that things are being moved behind P5, what's the point in getting any other prestige tier other than visual flair? Seems a waste of coin really
The closest I'd get to necrophilia is a vampire or one of those cartoony "zombies" that are basically green or grey people occasionally decorated with stitches. Anything that gets too close to feeling like an actual corpse or makes me think of rot or decay I'm out