It really depends on what you're after in your end result, along with how much effort you're willing to put in.
So, if you just want to write your story and use images. A real-porn HTML game might be a good option with Twine using the Sugarcube format. The layout is already built for you, so all you need to do is copy-paste your writing, and adjust the layout/dialogue into a format you'd like (second person is common in HTML games). Then add fitting gifs/webp files to it. Patreon is coming down on these, though. Something to keep in mind there.
Ren'py is pretty simple to learn, especially if you're after a kinetic/linear novel. If you want something more complicated, you're probably gonna need to learn to code some.
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is a good place to start, as he covers a lot of Ren'py and basic coding functionality for it. He also covers the aforementioned Daz3D. The bonus of Ren'py, however, is that you can code as simple as needed or as complex as needed. It grows with the dev. It could be as easy telling Renpy to make the image show up, adding a few lines of dialogue, and then tracking a variable/stat from a choice made. Or you can build a full-on inventory system in a life-sim.
Using Daz will depend on your PC, with that said. You'll need an Nvidia GPU, preferably a 20 or 30 series, but you can make 10 or 16 series (Super/ti) work. 16GB of ram is basically necessary, CPU doesn't really matter much - just needs to be good enough to carry any decently heavy program, and enough storage to hold Daz, all of your renders, and Daz's assets. Daz is easier to use than blender, but the trade-off is the lack overall freedom you get with blender.
TL;DR: Daz3D + Ren'py (+ Photoshop for postwork) if you have a capable computer (Honey-Select/Renpy/Photoshop might be worth a look as well). Twine + Real-porn gifs/webps if you have a bad PC.