Right now I'm using TrueSpace and GameSpace. We also have Milkshape, which I use mostly for conversions, etc. I will be moving up into a "Pro" app. because of the increase in productivity as well as the more extensive toolsets (and stability).
Depending on the sales of media packs and our games (non-FPSC), I may be able to move up to 3DS Max by next Summer. Until then, I'm going to try to swing a copy of Lightwave (a bit over $700). I also need to save around $600 for Photoshop CS2 (or whichever's next by then); a full version of Genetica, and few plugins from Alien Skin and Flaming Pear. I would also like to get a Wacom Tablet. But, costs of living (bills) has to come first
Right now my toolset consists mainly of: TrueSpace, GameSpace, Milkshape, 3D Canvas Pro, Paint Shop Pro X, Ultimate Unwrap 3D, The Texture Maker, and 3D World Studio (builder edition).
-Keith