The only thing I can say for sure is what I have experienced.
No, it's not easy at all. You need time to learn how to use everything more or less correctly and even more time to learn everything in depth... and you need time to create a coherent story and then more time to carry it out... Time, patience.
The tools I use are all free. RenPy is free, DAZ 3D is free (with its basics). RenPy is relatively easy to use (especially if you have some previous programming experience) and there are manuals and videos galore.
DAZ is what many of us use to create images and animations and as I said it's free, but its free form is limited. If you want more variety of clothes, skins, hairstyles, ready-to-use characters, you have to pay... or go to sites like this one.
But DAZ can be complicated, you need time... It all comes down to time and the desire you have to learn. You can make a game without spending a cent. But you can't do it without investing large amounts of time. And if you're waiting for financial results, don't delude yourself. Most developers don't go beyond version 0.1 of their "attempt" at a game because they tend to think that this is just putting something up for download and waiting for money to fall from the sky... and that's not the case.
You need to have a stroke of luck and have something good to show to see some results, and sometimes it's hard because you also have to be consistent.
This is a marathon where many never even get halfway before giving up. And also, patience, because whatever you do, someone is always going to complain about something. I myself am in both positions. As a player, I complain and I can be quite annoying at times. As a developer, I receive complaints and you have to be prepared.