Are you going for the flat look? No figures? Then yes, I would say you could make a template for the figure and then cut it out. Wilton makes people cut-outs. The shirt is a separate cutter from the pants/skirt.
You could print up the size you want the image to be, then cut out the different sections. Then use those pieces as templates and the piece the fondant back together like a puzzle.
You could try a FBCT. I'm no good at those, so I tend to make things harder for myself!!
Some people swear by powdered sugar or cornstarch when rolling it out and others, like me, use Crisco. I use MMF, so I think the Crisco does well with it.
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