I own DAZ Studio and Poser 7, Models bought for them can range anywhere from free to 20 dollar non detailed character base in need of morphing to a 400 dollar wooden box with a bunch of morphs. theres really expensive things and theres really inexpensive things.
Not exactly a program you want to take up enless you want to spend some serious Dough.
But I do have to say, poser 7 is indeed an exellent program for animation and cutscenes, the interface is simple and its well worth the 300 dollars it costs, 3DS Max is also great, its my favorite program to do anything in, if your willing to spend an entire thousand I'd suggest you invest in 3DS Max or Poser 7 and a bunch of model packs for it from DAZ Studios.
Lucidx