I do not have FPSC x10 (or FPSC for that matter), and I cannot say what is required to get an animated model into it.
I use Milkshape for rigging and animating models, as well as creating some of them. It is relatively easy to learn and use and once you understand the process you can fully rig and animate a model with hundreds of animation frames within a couple of hours.
The main hangup I have seen with it is with regard to exporting .X models to DBP. Again, once you know how it is done, it is simple to do.
I would highly recommend it to someone on a budget.
You also could likely find some weapons around here for free.
LB