AS DWG said, you’re lucky you discovered DAZ3D. It’s a heck of a lot cheaper with a professionally made human figure that looks human. Or alien, or like a dwarf, or with fangs, horns and what-not. Anyway, you’d had to factor in the cost of your time spent making things work for you, and since these are professionals, they spend the 100’s of hours you’d spend on making props work, to create content, optimize it, making textures (or even shaders), so you don’t have to. Your concern is now to make pretty pictures with this stuff. Clothings in other places for 3DS MAx, as an example - let’s take a tally shall we?
3dexport: T-shirt , not rigged (but textured) $38, Human male high-detail $30 (this is a very low price, I’ve seen prices in the range of $290 for a human)
Exchange3D.com: High-heel shoes pack textured $59 (down from $79), Human male (textured, but not jointed, you’d need to rig it yourself) $79
Turbosquid: T-shirt (with normal-map, bump-map etc.) cheap price at $39, Human male (textured, but not rigged) at $49
The3DStudio.Com: T-shirt $15, Human male (textured, but not jointed) at $50
Are you seeing a trend here? Every other place are more expensive, and most are not even rigged…
Here at DAZ3D, the premier digital content vendor online, usually sell their human figures; textured, with morphs, rigged and you can export through FBX to other kinds of software. I (think) complained a lot, but that’s because I couldn’t use DS4P as I was not interested in being an unpaid beta-tester. Now I’ve set up and using DS4P, and there are errors, but it isn’t unworkable, and I can managed to prep old scenes with poses and set-ups, so I should be able to recreate easily from DS3A to DS4P.