In your humble opinion, of course?
TMax 400 is my favorite portrait film, because it's the one I know the best.
It's about as far from 'muddy' as I can get with a film, and I think you are misrepresenting Kodak TMax films with your statement. It's sharper than either FP4 or HP5, has finer grain, and better resolution.
To me, none of that really matters. I just love how the film looks. Five pictures attached. Four of them are TMax 400. Four 120 and one 35mm. Not easy to tell which is which; the prints are even more difficult. Treated differently for different lighting situations and desired results.
I always advocate to learn one or two films and learn to use them well. Explore all possibilities with it, and once you get to that stage, you will be much better equipped than switching films for certain effects, be it skin tones or anything else.
I don't know much about filters. I never use them.