Cartography shop is for creating simple levels, mostly indoor ones. Character shop is for rigging already created modles so they are animated.
For landscapes you might want to look into getting Geoscape3D. It can be found here
http://geoscape.thegamecreators.com/
For characters you would probably want to read this forum post:
http://forum.thegamecreators.com/?m=forum_view&t=25468&b=3
I suggest that you download the trial versions and see what you like best. Most of them have tutorials you can follow to help understand how to use them.
When life hands you lemons go buy some oranges to make orange juice, and stop expecting everything to be given to you.