In chat or a separate generator: why it changes everything
Ask for a picture in a good app and the reply comes back in character, image attached, and the conversation carries on. Ask in a weaker one and you get bounced to an image tab where you have to describe your own girlfriend to a prompt box. Both technically send you a picture. Only one of them feels like anything.
Character consistency is the whole game
The failure mode is always the same: the first image is great and the fifth is a different person. Apps that lock a character seed keep the face stable and let you change pose, outfit and setting around it. Apps that pass your text straight to a general image model hand you a new stranger every time, which defeats the point of asking your girlfriend for a photo.
What an AI that sends nudes will and will not do
Every app on this list will produce explicit images of adult characters it generated itself. None of them will work from a photo of a real person, and you should close the tab on anything that offers to, because that is not a feature, it is a legal problem with a subscribe button. Expect an age check, and expect some poses or scenarios to be refused even on a paid plan.
Reading the credit price honestly
Image pricing is built to resist comparison. Divide the plan price by the number of images it actually allows and you land somewhere between two and twenty cents each, which is a tenfold spread across the apps here. Watch for credits shared with voice or video, because those drain far faster than the plan page suggests.