Renderotica

Hello everybody,

i am planning to create my own little erotic game. the programming part is no problem for me but i completely lack any knowledge about 3d modeling and everything related to it.
now i want to figure out if i should try to gain said knowledge or if i should just buy all the stuff i want.

i need 2-6 base models (one male and female, perhaps splitted into caucasian, asian and black "races", if that would make sense).
they should be game optimised and, if possible, made into an UMA.

it would be required that the player could alter the appearance (body shape, hair, make up etc) in an runtime character editor and change/undress clothes on the fly (thats why i think an UMA might be a good solution?).

so i would appreciate it very much if you could tell me what you would charge for this. 

thanks and have a nice weekend!