I think you get better control, provided you put the work in, when using a template rather than painting directly onto the model. As to the modelling packages there are lots to choose from. Due out soon in the UK on the front of Septembers issue of DIGIT I think there is to be a full copy of Carrara 1.1. Take a look on some of the 3d mags for any trial software or full versions of older software give them a try first and then see which style suits you best!