"2) Only 4 program have the GoZ button that integrate ZBrush. Max, Maya, Cinema 4D and Modo. Without zBrush you are forever doomed to be a hobbyist. Even if you start out with no ambition at all it would be unsmart not to have all options open. You never know what will happen."

"Of the 4 major packages, only Modo is reasonable priced. "

while GoZ is nice, its just a very minor convenience and not something you need to base your entire workflow around - and it has absolutely nothing to do with 'being able to use zbrush' or not. 

 

"As a beginner don't start with the easiest but with the most difficult! And the most difficult is retop (mesh retopology)."

before learning to RE-topo you need to learn the modeling fundamentals. how on earth would you presume to start optimizing topologies before you knew how to model?

there are many retopology tools coming out recently and noobs get all excited about them and rush to switch to the latest suite that offers them -- but unless youre planning on stealing other peoples meshes, at some point youre actually going to have to learn to model.