I just want to add one thing to what has already been said.
In case you are a one-man-show. Once you have a working prototype start with the programming. I wouldn't care about the artistic part at all until you are done coding the game mechanics (movement, AI, combat, interaction, etc).
Not having graphics can be solved with money/free artwork/crappy graphics... while the game can still be fun.
Not beeing able to do the coding... most likely will break your game's back.
^^only applies to one-man-projects with shallow wallets though.