It would be best to animate and model in a seperate package. somecost ALOT of money, others are free.
best free programs:
Gmax
Truespace 3 SE
Best expensive programs:
3dsmax ($3400)
Lightwave (in the thousands)
Truespace 4,5, or 6 ($149-$500 on a good day)
MAYA (you cant afford this)
Truespace is your best bet if your on a budget. if you sign up for the caligari (makers of truespace) news letter you will recieve some good offers. I own 4 and 5 and each only cost me $149. Truesace can aslo do everything you will need and its very easy to learn.
Goto http://www.shellshockede.com