Caligari is selling TrueSpace 4 for 99$ as a Halloween special. It will do all the modeling you need, it's got a great renderer (including radiosity), and it has a lot of great, work-saving plug-ins. For Poser clothes and figure creators I heartily recommend Chikara Kojima's free plug-in galore (for rave reviews, just make a search for his name here on R'osity in the Poser and Truespace forums). If you're strapped for cash, I'd just as heartily recommend a second look at Amapi 4.15 - check out the Amapi forum for a basics crash course (try searching for "exercises" and "project" and "conforming).