Many use either GMAX or Blender; both are completely FREE!
peter
I've been using Gmax for about 2 years or so now. Guess some would call me an "expert" although I still feel like I have a LONG way to go! (Created several engines in Gmax).
Not experienced with Blender, don't want to learn a new program and Gmax is awesome once you learn your way around it.
Would love the rendering capabilities of 3dsMax.....
Terry