EA's EULA is in fact very specific! It covers not only the tools provided but the game material also. Even if the tools such as Bodyshop or Home Crafter were not used, any CC which is made has to be combined with game material for it to work in the Game. If you use SimPE to make a .package file this is where the combinations take place.
Under current Copyright Laws, what ever you create outside of the game belongs to you. However once you place that creation into a format which the game can utilize, you relinquish your ownership and it reverts to the Copyright holder of the file format. In the case of CC created for TS2, once it is placed into the .package format leagally it is owned by EA!
This isn't just in The United States, but also falls into International Copyright Laws as well.