I personally can never nail down a design for my character and I think that's okay! I like to think that changing her gradually is me changing as a person. So whenever my brain wants to like blue more than pink I just change the palette. But anyways, I would suggest going for either a custom design or a design by someone you really like. I personally like custom designs more if I like the artist because I know they would do a great job. If you would like to do a design on your own, I would suggest looking at other snow leopards and getting inspired by them. Both should give you the opportunity to change it to whatever you like. Though, custom designs would be harder to change without the original creator's input. Honestly, you should never stop growing as a person and a character that's meant to represent you shouldn't either.
Sorry if this didn't help any but I just wanted to put my opinion out there

Actually it did help a lot, I've always been flip flopping on things... so hearing that I'm not alone in such things helps. I think I'm going to do just as you said, but probably use secondlife as a starting base then work up from there and do it myself.
Really, thank you <3