As a hobby it's a lot easier and quicker to buy stuff, if you have the time and patience to learn how to make your own models and textures then that's great and you won't need to buy as much stuff but I think for the pure hobbyist [like myself for the most part] it's easier [not cheaper maybe] to buy what I want when I want it!
Just my opinion, nothing more!

Injustice will be avenged.
Cofiwch Dryweryn.