*opinion*
I smell
*end opinion*
Hey I had a bath a couple of hours a go :S...Rich Man, MC has good advice, Wings 3d is a good place to start, also try, Blender, its difficult, but once you learn it, I'm sure you won't regret it, I however tend to avoid Blender, but thats because I've got the more costy choices at hand
. Milkshape is also very good, but it isn't free.
What I would imagine a good setup for beginners, is,
Wings 3D for modelling
Blender for rendering/animation rendering
Lithunwrap for UVMapping
Paint.NET or GIMP (Both are good free alternative to Photoshop) for texturing
Milkshape($20) for applying the textures, game animating and game export.
But I start life in anim8or, its up to you and the results come from you, the perfect app will come to you when you look around, but you need to start somewhere, the cheap/free lot are a good start for getting to grips, to me that set up there would be all you would need for pro results. The only one that you could say that is difficult to start with is Blender, but it has plenty of tutorials to help you there matey.