I can give you an link:

http://www.blacksmith3d.com/blacksmith3D-3d-paint-software.htm

With that you can make good looking skins for your models, it`s not so difficult.

But sorry I can`t help you with modelind and stuff like that.

Here thats better an free:

free low plow skin programm

Is that legal?

I think, then I found it somewere hir:

http://www.zbrushcentral.com/zbc/featured2col.php

There are models from modern games movies and stuff like that.

But that dosn`t belong in this form

there alot of free programs that do texture painting, even blender but i gain more when i can just focus on one aspect of my game