You load those plus a body or top/bottom combo, a hair mesh and some shoes or feet from the game files, so that you have a complete Sim. That is not easy, you have to find all of the face parts, which include the eyeballs, the eyebrows and the teeth as well as the face. What we are going to do is strip the old mesh off a skeleton and replace it with another, while keeping all of the skin weights intact by stripping them and restoring them separately. You need to be familiar with working with MilkShape and Sims 3 meshes to do this, but not really a whiz. I will describe the process for you to do this yourself not a real tutorial, but a set of steps. rar archives to this post, a female mesh rigged for animation that uses the mesher skeleton (and rigfile), and a pair of MilkShape plug-ins (SkinWgt Export and SkinWgt Import) that I used to make it.
Some have asked for an adult female rig, but that was not really what I started out to do today, it just ended that way. Thanks to the MTS user mesher, there is a usable MilkShape rig for making poses and animations, those that have been making pose packages will undoubtedly already be familiar with it.