You're so gullible. They're ALL finished characters before the game is released; they just release them as DLC to get more profit. Holy shit this site is full of children xD
I'm sorry to tell you but no... They aren't finished, it takes a long time to make a single character, much less their variations, then balancing them, making sure that no one is broken, I'm sorry but no, not gullible, I am currently studying to be a video game designer, and I can tell you first hand that nether realm is working their asses off to even get the rest of the cast that will be on disk in time, none of the dlc characters are on disk, none of them, shit like this takes time, a lot of time, modeling is time consuming, animating is time consuming, coming up with character move concepts and variation concepts are time consuming, and they need dlc to even break even on the production costs of the game, believe it or not game design isn't a fucking cake walk, it is hell, working over time without getting paid for it, people constantly telling you that you should already be done with the game, none of this is easy or fun, hell I made a fairly small detailed level in unreal 4 for my final, it took me 4 weeks to do, and a character is even more time consuming and difficult to do, so no, not naive