In Anim8or you first make a 3D model. Try the eggplant tutorial.
Then you add a texture to the model. Use Lithunwrap.
Then you add a skeleton to the model. Very easy.
Then you scale some muscle type spheres. Easy enough.
Then you just rotate the bones of the skeleton, and the muscles bend the mesh. Anim8or can do the in-between frames for you.
So a walk could be calculated from just a few key frames.
Then you go into the scene. This is where you put your finished model. You position a camera to point at your model. You add a few lights. You can edit the model's texture a bit to make your model shiny like metal, with reflections, or a dull plastic looking material. You can have shadows etc.
Now you make a movie of your model. Frames are auto saved as individual bitmaps, or AVI.