> Anyway, I was wondering if anybody out there knows about a software package that might be sort of what I'm looking for. The all-important thing is that it has to have stock character models, because constructing a character model from scratch is entirely beyond me. Also flexibility of attire.
> Anybody know about software like this? Thanks.

If somebody DOES know, I'd really love the information too. ;)

Although you said backgrounds weren't important, for landscape-rendering needs I can recommend Terragen pretty highly. It does an excellent job of rendering basic landscapes (sky, water, terrain: no trees or buildings sadly). I often work my Terragenerated images into more developed artwork or into site layouts.

The best thing is that it's free. I love free stuff. :) Link for downloading is below.

Sosi"I also know how to get a free human face modeler, but it's just the face, not the whole body, and because it's a demo the people are bald. O_o"qui

PS: The link for Terragen was originally obtained from Dee Dreslough's site, www.dreslough.com - I HIGHLY recommend her site for any artist, especially those interested in digital fantasy art. Her online novel is pretty nice too. :)