No, that's pretty good advice.  I noticed a fair amount of reference to ZBrush and digital sculpting tools - whereas I'm at the level of looking at the Modo flashlight and trying to reproduce the techniques and results.

Hopefully this will all seem so basic in a year or two, after I've built up my skills.  As soon as I know where I'm sitting on taxes (I'm self employed and am never quite sure how much will be left after I pay them) I plan on investing in Modo.  Beyond simple Poser artifacts, I will start by using it to redo some of the 3DSMax materials on my kenfreedsoftware.com website (and hopefully improving upon them; most are under the "Web Graphics & Interface Flash" panel, especially that "Mechanical" one).

Past that, I aspire to write a book about the essentials of developing software that most of the books in the field miss (e.g. how computer languages compare to spoken ones when there's a "language war" brewing, how to partition a project, ...), and I hope to either illustrate it, or express it as a story in a graphic novel format.

But all this is ahead of me.  This forum has been absolutely great!  I don't personally know any digital artists, and I didn't have a clue on any of this before I started this thread.  Now I think I at least know how the field breaks lays out.  For me, with limited time on the weekends (as long as my contracts hold out) - the package is Modo.

Thanks to all, you've been great!  - Ken