Yes I like schoolgirls, so what. I don't really want one in reality, but my imagination is my business.
It's comically true that girls in real life wear their skirts so high they almost look desperate to make boys horny.
I've seen entirely non asian, non catholic girls walk by in alarmingly short skirts. They were high school girls and clearly thought nothing of it.
I've even had a girl walk past me on the street, and she had NOTHING on under skirt (yes she was walking towards me it was windy and somethings are not easy to mistake).
When asked, several of my older female friends confirmed, yes girls actually do that. I've known some female friends who were in their 40s and mothers and they tell me they occasionally enjoy no undies days too just for the thrill. And frankly a string thong bikini might as well be considered going bare assed.
It's not just guys that act "strange".
But hmm choose a toy over a real woman? No not a chance.
I like collecting anime figures from my fav shows, but they have the same status in my life as a model tank or a ceramic statue of a great cat.
I don't think the guys in Japan are willingly picking toys over real girls any more than guys in North America choose wanking to internet porn over real girls.
But when you are an atypical single male you are likely as "exciting" there as here.
That's a thinly disguised way of describing fat socially challenged losers
And yes I have seen plenty of those.
I think what's special about all the anime and manga related fan products, is it's more fun than images on a computer screen. If nothing else, a Japanese loser has it better than a North American loser.
But that's about the size of it as I see it. I guess it's also easier to notice and focus on.
They have ideal looking female imagery and 3d ideal female toys. The North American crowd gets to settle for women on porn sites that reek of slut and artificial in a way that is less thrilling than the artificial nature of anime females.
Loli is a complicated issue. Frankly I consider loli as anything preteen and younger and don't give a shit for mainstream's definition or the hentai mobs interpretations.
I have no idea what the appeal of an undeveloped female is. But then I have yet to figure out why online porn needs to have a naked woman in high heels regardless of where she is. Shower, middle of the woods, yeah seems like a logical place to wear high heels. Sex is about the most varied topic on the planet.
It's handy that at anime conventions the crowd is often 50% or higher female (well it has seemed like that to my eyes at the several Anime North cns I have been to).
It's handy that mainstream anime is a both gender hobby. It's reassuring that it isn't a guy thing. Many hobbies are.
I have no idea if girls collect male anime figures. I doubt girls care for hentai, but girls don't normally use visual stimulus like males do. Not sure if a girl would ever want to use a naked Naruto doll for sex
Girls usually don't want the entire male when they play eh.
) And while many girls choose to hide it because of the whole old fashioned ideal that still isn't completely gone from society, we really can be just as perverted and sex-crazed as guys. Ever notice how most of the bishounen the fangirls (regardless of age) squeal about are High School age? Yaoi is the female solution to hentai. (And I'm not talking the soft shounen-ai stuff. Though that is also nice. 
) You will probably meet a lot of supposed yaoi fangirls out there who would probably be more like bishie/shounen-ai fangirls, but the hardcore ones (no pun intended) are basically admitting they like and watch hentai. (A small facet of hentai, mind you, but hentai none-the-less) Though I'm sure there are other girls out there like me who also enjoy regular hentai. And for the record, don't use and don't need are 2 different things. 
