My workflow :

-Modeling : Silo (cheap, very easy , fast for modeling)

-UVMap,basic texture painting, rigging, animations : Blender indeed !


For animation, don't sure Fragmotion and other cheap tools have
Inverse Kinematics :
Blender IK
It saves lot lot of animation time , and make moves lot more natural than animating individual bones

UVmapping : you just mark the edges you want to be seams
and choose Unwrap : that's all : so simple , as simple as it exists in Wings 3D !
Blender Unwrap

Rigging is very easy and fast in Blender with Weight painting or with Enveloppes.
It can now bake normal maps also (it can do also basic sculpting in high meshes)
It is FREE , and if you put one week learning it (step by step :modeling , UVMap, texturing, rigging , animations).
You won't regret at final , and you'll have a very powerfull tool for all 3D art stuff.



I 'm learning Coat3D and i will integrate it in my workflow if i use normal maps !
(3D coat is essentially a very complete scuplting tool with powerfull retopollogy)