to be honest i recommend you to make a simple action 3D game before making 3D rpg
you can use 3D Rad, which is very simple engine and it's free for making simple games:http://www.3drad.com/
beside programing !! if you will modeling by yourself, you must learn how to use some good software, like blender which is challenging but very famous and his many tuts and tips spreading over the web * also blender integrated with game engine
if you want another good program famous for making anime/rpg look model, you can get Metasequoia (free / shareware version) http://metaseq.net/english/
demo 2 (Shining Force Exa Making of ):http://www.youtube.com/watch?v=vygFabxMZX8
if you already feeling lazy to learn all that, you still able to get 3D Daz Studio and custom your own models with ease !!
you can Get Daz Studio 4 Pro for Free (before march 31 2012):http://www.daz3d.com/
however !! for using their contents for game, you need to buy another license (which is a bit greedy) that cost about 500$ for indie.
sorry for my english, it's not my native language ^^
hoped it's helped ^__^
This post has been edited by prinsu kun: Mar 12 2012, 01:23 AM