Ummm.
Original question and I hate to point to commercial stuff, but...
  The DAZ elite set will give you what you need.  I think the package and parts are on sale now.  Out of frustration I got the human surface shader, eye illuminator (? name) and a morph.  With this you can get pretty realistic for not much money.
   You gotta do your own scenes and lighting, etc.  But it will certainly get you started with some kind of decent image.

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