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I still cannot decide cause (



Dont hesitate the happy days of the all in one game programmers are over
Game engine are so sophisticated nowadays that it is a matter for specialists
For the time being XNA is still too low level ,in my opinion
If you are looking for more flexibility maybe you can go for TrueSpace or C4 or an other engine but forget Direct x or even XNA unless in the fuure it turns into a game engine