i have a couple of programs that lets you build characters, (make human, used to be great. ( havent used it in a while). but others similar are good too, blender etc....).... even make animations or full movies. its very time consuming because every little detail has to be input, but is great for making graphic novels or short stories. you design the characters from scratch and then build the background scenes. then open up a writing program, if its going to be a graphic novel you arrange the "panels" and page layout how you want it and then copy and paste the images into the panels...... (short but easy description, ...lol).....the standard A.I can and will do a great job on the same type work, but is severely limited on how far it will go on character development. body proportions and such, as well as mode of dress and some more "romantic" type scenes, but is a good tool for what you can get from it, which is actually quite a bit, just can be aggravating at times, though i do use the new AI from time to time. it can be good for simple yet good scenes, or for fast basic character making. background scenes etc......
give it a try, i have seen you mention some of your writings before, play with generating images and bringing something to lfe... its fun and a great way to just play and waste a few hours....lol.... just use one of the AI programs and see what you can do with it.