I am currently using anim8or for my primary modeling and have recently purchased 3DS Max 2008. I will continue to use anim8or until I feel comfortable with Modeling in Max. for UV mapping I use UV Mapper, For poly reduction Needs I use Action 3D Reducer and for texturing I use a combination of The Gimp, Photoshop, Texture Maker, and Finally Genetica.
If you want to produce quality models and textures you really do need to spend at least a little cash and a little time learning the ins and outs.
I hope this helps.
www.hotpointhosting.com
www.fpsxtreme.com