When I first started doing this, I started with Poser 7 (which I'm still using). Poser 7 comes with figures, but I quickly decided for my female characters (~97% or why I'm doing this

)I wanted to get DAZ's Victoria since it just seemed like I could do more with her. I spent around $100 to get the big bundle (and DAZ Platinum membership). I don't usually spend that much at one time on runtime, (in the last year and a half I've hardly bought any new runtime. I have no spare money, and I can usually work with what I already have).
I wasn't sure whether to get V3 and focus on her, or start with the very brand new V4. I started rendering at almost the exact same time V4 debuted, by coincidence. V3 was very well established and had (and has) so many accessories available, so I thought maybe I should choose her. But, I figured it made more sense for someone just getting started to start with the newest model. In retrospect that was a good decision, since V4 is as well supported now as V3 was when I started rendering. Now that I've been doing this for several years with V4, I'm not going to switch to V5 anytime soon, just like the V3 artists I admire so much have frequently not switched to V4. So, if I was a new artist, I would start with a newer figure, and get in on the ground floor with something like VIctoria 5 or this Genesis figure that DAZ offers now. I'm not specifically recommending those since I know zero about them (switching away from V4 is just not an option for me right now). I would assume based on my experiences with V4, and waht other artists have done with V3, that V5 will be really good too. I'd read up on what artists think about V5 and Genesis. The female characters are 95% of what we're doing, so it's kind of a big choice which figure you specialize in.
For myself, I use V4 for all of my female characters. DAZ offers a Stephanie figure designed for more petite women (Victoria is suppoosed to be around 5'9", is my understanding). However, to vary the height of my characters, I simply change their overall scale (e.g. Ishtar is 100% (5'9"), Brickhouse is I think 90% (about 5'2"), the new American Goddess is I think 88% (about 5'). I know that as human height increases, body shape usually changes too (e.g. head should be relatively smaller, etc.), but just changing the scale seems to be good enough, and having to work with multiple figures would just make the work of setting up a scene a lot less efficient.
Something I learned from FInister is, it really pays off to use a photo editor like Photoshop or Corel Paintshop Pro to clean up the errors (mainly pokethroughs) in your renders. I had figured photo editors were mainly for adding word balloons. However, it might take you an hour to get a bra to fit just right so that there in no pokethrough, without the bra hovering off of the skin. But with a photo editor, you can fix small pokethroughs in just seconds using a clone brush or similar tool. I don't think there's any need to buy the full feature photo editors that cost maybe $500 or more (e.g. the full version of Photoshop). You can get Photoshop Elements for less than $100, and I think that would give you what you need. I bought Corel Paintshop Pro when it was on an after-Christimas sale (I don't remember exactly, but I spend significantly less than $100 for it). Uroboros said he uses Corel, and if it was good enough for him it was good enough for me

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