Depends on what you want/need. You can get very far with the free assets.
Take the pool scene I had to recreate for Lexi as an example, that took me about 3 hours to set up. It was a project lost in a data failure I believe, so it had to be remade almost from scratch.
That included:
- resizing and moving all the assets to the right spots
- texturing and finding the right shaders for the water, tiles, grass, chairs etc.
- getting the lighting right
Getting the girls posed can take 10 seconds, if you have a preset pose that loads correctly, but in most cases it will take about 5 minutes per character to get it perfect (especially the facial expressions)
and then you get something like this:
View attachment 857327
(small note: I spent another hour getting Lexi's skin right)