Wow, way more math than I was prepared to do. Kinda sucks I have all these character folders based on my original math. My primary folders have HIM measured at 66 inches without altering his scale. Therefore, the character I mentioned (61in) has bodyScale:0.9242. I just assumed the assets for the two models were roughly the same size at bodyScale:1, just differently proportioned due to anatomy.
My main concern tho was about having rather short characters and using the same math. Like if she 3 foot and he's 6 foot that'd put the scale at 0.5. When using that in the game tho she actually looks about a quarter of his size. That may be due to her starting relative height, like you said. But it wouldn't make that big of a difference, right? It may just be a trick on the eyes since she's kneeling and he's standing.