Ok then...let me get you a list of what programs you could use(please choose depending on your extra cash range):
3D Modeling:
Gamespace ($300)
3D Canvas Pro ($50)
Milkshape ($20)
Wings3D (Free)
Texturing:
Tattoo ($42)
2D Art:
Adobe Photoshop ($700 I think)
ArcSoft PhotoImpression ($100 I think)
Gimp (Free)
Music:
Finale 2003 ($300 I think)
ModPlugTracker(Free)
World Building:
Cartography Shop ($65)
Maplet ($25)
3D Models:
DarkMatter 1($40)
DarkMatter 2($40)
Thats all I can suggest. Please note that its not always the tool, but how you use it, the cheapest may be the best when used well. Also, if you dont like the tool, put up with it until you can code it with DBPro (or some other language). Also, if you dont want to spend the cash on Dark Matter, you could always model the models on your own. The DM models might be quite amazing, but that doesnt mean a good amount of work couldnt create equal results.

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