here's a tip
want to learn Softimage XSI?
there's Softimage Mod Tools 7.5. almost the same tool set.. Free! want to move models out of it? well it exports to Collada or to FBX.
other 3D programs of note for free? Blender, Wings3D, trueSpace 7.6....
can't afford Z-Brush? there's Sculptris..
render engines? Luxrender, Kerkythea and 3delight all for Free.
Uvmapping? Uvmapper Classic and Roadkill.
Painting? Gimp and Paint-Net.
if anyones interested in knowing more, just ask :)
Softimage Mod Tools - [usa.autodesk.com]
Blender - [www.blender.org]
Wings3D - [www.wings3d.com]
trueSpace 7.6 - [www.caligari.com]
Sculptris - [www.sculptris.com]
Luxrender - [www.luxrender.net]
Kerkythea - [www.kerkythea.net]
3Delight - [www.3delight.com]
Uvmapper - [www.uvmapper.com]
Roadkill - [www.pullin-shapes.co.uk]
Landscape generation:
Bryce 5 - [download.cnet.com]
Terragen - [www.planetside.co.uk]
did I mention.. all free?