The stone wall for me is the modeling software. I've tried several of them and just cannot wrap what's left of my mind around them. I can (and do) create things from primitives using magnets and  the poser morphing tool. I'm perfectly able to texture.

I agree that for me, the issue is time. When I'm in the middle of a project I have neither the time nor the inclination to stop for several days while I whip up a bit of content, especially when a few dollars and 3 or 4 mouseclicks will solve the problem much quicker.

The downside is, when I DO need something sophisticated, I can't make it. I've paid several hundred dollars to some of the modellers here to do custom work for me that I couldn't do myself. You know what? FINE. They do what they enhjoy doing... I do what I enjoy doing.

It works for me.