Koopa--
Speaking as someone who has minimal talent when it comes to the visual arts (I consider myself more a comic book writer than an artist), I have to say that Poser (I use Poser 4, also known as Poser Artist) does have a bit of a learning curve that can easily discourage the new user. However, Poser gets easier the more you use it, and after a while it becomes almost second nature.
For me, much of the time I spend on a render is actually in the prepatory stages. Take, for example, the "A Lad and His Genie" render I did as part of the Halloween downloads. First, I came up with the idea for the illo and the characters I wanted to use in it. Next, I created the characters. For the Genie, I took the Aiko 3 base model, found a mat texture for her skin, decided on her facial and body features, gave her a hair style and color, and found a suitable costume and color scheme. Then I repeated the same for "A Lad." I do a lot of experimenting on the look of the characters at this stage, so this step might take anywhere from an hour to several hours spread over several days, depending upon how strong my "vision" of a character is. Next, I took the double stocks I wanted to use for the render and took a base Aiko model and a base Hiro model (the male) and created the poses for the two characters. Then I found the background I wanted to use. Once I had all the pieces ready, I begin to composite them together for the final piece. Now the fun begins!
First, I load the background, then load the characters and objects/props and position them where I want them. Then I load the poses for the two characters and tweek them a little so they look just right. Then I loaded the four Egyptian fans and placed them at the character's feet. This actually was a real pain because the feathers in the pre-render mode are transparencies, so it took a little time to get them right (nothing like having feathers sticking through one side of a character's foot and out the other). Once everything is complete, the last thing I do is the characters' expressions (which is actually my favorite part of the process and, IMHO, the make or break stage for a render). With that done, I'll run a render and see how it comes out. Sometimes I'll go back in and make some changes and render it again (and again and again and again and again), and sometimes I can get it on the first try (not so often). Once I'm happy with it, I open the image in Photoshop, tweek the brightness and contrast, and add any addition elements (i.e. word balloons & text cut and pasted from Adobe Illustrator). Total time for the finished piece is about 4 to 5 hours.
I know it all sounds like a lot to do, but it really isn't once you get used to it. And believe you me... if a no talent wingnut like me can do it... ANYBODY CAN. All it takes is a little patience and a lot of practice...
Hope that long-winded doctoral dissertation answers your question (or for the most part thereof). If you have and other question, just let me know!