There is no easy way to make your own models for games Bloder - really I think you might enjoy FPSC because it has a decent amount of model support, a lot of it is free, but there are some amazing character models and stuff that you can buy quite cheaply.
To make your own games with your own models, well it's really a matter of learning how to code in DBPro and how to model - maybe it'll take a while, but if that's what you want to do then there's no point in waiting for the ideal creation software, it's really best to simply get stuck in with software like Milkshape. It's hugely rewarding to make a character then have them run around in your 3D world, I actually prefer creating games to playing them, really you should regard game creation as a crazily complicated god game.
There are easy options for 2D games, but 3D models are just a bit too complex to easily incorporate into a game creation system. If you get FPSC then you could start learning to model for that, but when your ready you could move onto DBPro, and all your models and stuff would work. The way I see it is if your old enough to want to do this stuff, then your old enough to start learning how to do this stuff
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