Cutout Character Template

Has anyone tried making a general skeleton as a character template. Changing the drawings as appropriate to create a family new characters that would all be able to use the same action templates save in the library?

These characters would all have to be the same height or have the same inter-pivot bone lengths i would imagine?

If you wanted to reuse actions for a character based on the same template (drawing layer order etc) but with different bone lengths, e.g. taller, could this be done with an action template translation script?