you don't need the uber base layer on every texture, making a game that is'nt the same as the other 10,000 using the same models and assets, is the difference between $20 a month and $6000 on patreon
you can texture a whole battlefield map in a few hours once you work a program out, a little building takes no time
Lessee... a few of the top earners on Patreon over the last couple of years, based on subscriptions (some no longer share their earnings publicly)...
For reference:
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Lewdlab - uses
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(a lot of them) for their environments in Dreams Of Desire and Lost Memories
Mr Dots - uses
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(also a lot of them) for their environments in
Dating My Daughter (I haven't researched Melody on this subject)
Dark Silver - uses
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(again, a lot of them) for their environments in Big Brother
Meshed VR - Makers of Virt-A-Mate - this one is fairly new, so no idea on the assets.
Ictstor - Milfy City uses some identified
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(the fan art thread mentions a few of these). Not sure on the rest as of yet (the thread is fairly new). I'm sure that he's used a few prebuilts in the previous games as well.
Note that I've linked to the relevant threads where art assets are discussed.
There are numerous other examples. Babysitter is another example that I'm intimately familiar with, which while it isn't in the top 20 (is in the top 50), yeah there are a number of the store bought Daz assets used there.
Ironman13 (i13) is by far the most popular creator of the Daz assets that a lot of the top developers, and other developers, use for their rooms, houses, etc.
It should definitely be noted that MOST of the other developers with in the top 20 have games that are hand drawn, hence not relevant to this discussion. Other than, perhaps, to point out the popularity of hand drawn games. I suppose that the lesson there is that your time may be better spent learning to draw, or teaming up with someone who can...
I don't mind it when people are trying to be helpful, but it's important to have accurate info when discussing such things.
Yes, learning how to build your own stuff is a nice skill to have. I use primitives in Daz Studio all the time for things, plus Hexagon is now also free, exports and imports natively with Daz Studio. I've built a few things in Hexagon and Daz, including a couple of 'project houses'. But the point remains that prebuilts can save you a LOT of time, if you can afford them, or if you can find freebies that suit your needs. There are a number of free prebuilt Daz/Poser items, rooms, and houses on ShareCG, Renderosity, etc.. Plus there's a number of free .objs out there on a few different sites (Google can help you find some of these).
As for building stuff, Blender is out there as well, and is of course a free open source alternative. The learning curve can be a bit steep, though, and your keyboard will need a 10 key (which can be an issue for laptop users). Blender can also be useful when looking to build and customize characters, monsters, etc....
Just keep in mind that most people simply don't care much if they've seen the same apartment in 10 different games. They are more interested in the story, and how well written it is, and also in suitably playable game mechanics.
Again, it's all about managing your time. If you want to set aside the time to build your own stuff, and/or want to invest the time to learn, go for it! For the rest of you, well obviously there are a number of prebuilt options out there for you as well, both free and for sale.