Should one scour the fields with your bucket and trowel looking for yellow ochre lest one be accused of cheating by purchasing paint in  tube?

Should one write one's own 3D application from scratch lest one be cited as being lazy for using one that is already developed?

Yes one can go click-aty-click through the Poser library and end up with "click" art and if that is what you want to do then have at it. However as you correctly point out there is so much more to it than that.