Well, 3d graphis is definitly not a cheap hobby if you want to use the work of others.
Vicky and Mike make it easier but they are not required for good pictures.

PS: You don't need to buy much stuff for Vicky.
Free downloads:

1. Hair from http://digitalbabes2.com/
2. Cloth and Textures: there is a whole section in Renderosity/freestuff for Vicky.

You can wait with further purchases till daz3d has another sale (maybe X-mas?).