I am a hobby illustrator who runs the gamut over many types of art, traditional and digital. Originally, I got Poser 3 free in a magazine.
I bought a discount copy of Poser 5 from here, and had no problems. Within a half hour I'd installed the software and downloaded a bunch of free props from Daz3d, renderotica, etc.
Now, for all purpose 3D, you need a more versatile tool. Like Caligari TrueSpace, one I'll vouch for. Or Maya, Lightwave, if you have a few thousand to trash or know a Pir8.
Generally, I like to draw by hand, then color with Painter or make a Vector image. For 3D, I use lots of time with TrueSpace setting up detailed mini-worlds. Right now, I'm building a figure from scratch for one of those projects.
So, why do I get Poser? For 'figure base' experiments. Good fast tool for getting all the poses/perspective right. I'm going to do an 80 panel project soon, and I'll use it for the figures, but draw over them with my Wacom.
I'll highly reccomend Poser 5+ for artists, specificly Illustrators. BTW-That was its original design, Poser1 was advertized in comics fan magazines to aspiring artists, a "Wooden manequin" that you could position any way you want. This is a good 'base' to help with perspective and get a start.
Other uses are for animators. Ever hear of the "Rotoscope"? With this software, and another good graphics utility, (Toon Boom, Flash) you could make another "Fire and Ice". Just have a good character design / storyboard, then have the poser characters act out the scenes. Then split the AVI and trace over the frames.
[...]Check out Renderotica.