"Oh, my body's probably cost just as much over the years. It's really fancy and I've done a bunch of custom work to it. I could nerd out but I wanna be shaped like a nerd if I'm gonna do that." Thoughtful pause. "Actually, dragon-girl is a decent shape for nerding. Anyway, most people have to go to a clinic to change shape and get their brain adjusted."
(She definitely looks strange now, sort of halfway between her current form and another. Nubs of growth have raised the ears out of her hair on the base of what look like - horns? Parts of her skin are going black and shiny. Her hair is paler.)
"But yeah, you can grow it, there's big cloning plants that just need a few starter cells and feedstock and then some quick surgery five years later to make a valuable product from a nice optimized gene line."