If you wanna learn programming learn programming , you ever heard of C++ ?
As for gamestudio makign life like characters and the like , GameStudio is NOT the Unreal 3 Engine , or the Offset Engine , gamestudio costs $49 - $899 (depending on the version you buy) not $500,000. Be more realistic about what you expect to get for your money. Now , as incredible as this may sound , theres actually a plugin for gamestudio called Sphere , which allows you to make games that look pretty much as good as the Xbox360 games , and Its also very cheap , only $30 if I remember correctly , you should check it out if your looking to make a top of the line game. About the multiplayer coding , I cant help you with that one , but u should be able to get plenty of info on the subject if you search on it , though a small version of a multiplayer game like americas army you can do with the gamestudio built in multiplayer , dont know about a big and comlpex system though.