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Katherine A. Applegate: The Visitor (Paperback, 1996, Scholastic Paperbacks)

If someone told you Earth was under a silent attack, there's a good chance you'd …

Complex characterization? In my children's story?

This dragged on a bit weirdly at times but it also puts a lot of complexities forth about the war, how it affects civilians, and how it affects the animorphs. Rachel's POV starts off kind of basic but quickly shows the strain of the morphs plus the impacts on her family and friends. Solid stuff.