I think, though am not certain, that character model files are:
globaldwf_chr.s3d
globalelf_chr.s3d
globalhum_chr.s3d.gz
There are a few examples...files I have in my EverQuest directory. They aren't zone files...and the "global
hum_chr.s3d" kinda sounds like that file is a human model. They might not be though, I don't really have a clue lol. They just sound like they are
