Thank everyone for their suggestions. The models suggested by 3dfoin above looked good and were inexpensive. I've just bought the peasant pack to test it.
I'm sorry if I seem ignorant about many of the procedures. Always in a rush, getting a large painting ready for a gallery in Seattle, writing another book, and editing 40 dv tapes of mine down to a You Tube movie. I steal these hours to create virtual worlds for myself.

EDIT: I want to correct an earlier statement that I couldn't find MDL files to download. 3dfinfo sent me another emall with MDL file links which I discovered when I came back later to the forum. I want to report that the MDL does indeed load into 3dgamestudion, and studied in MED, it has good animations.