I am on a similar boat. There are tons of post saying AI can replace a 3D artist. I've tested every 3D gen app out there and it is not even close, there are always errors, geo holes, etc.
You are better off buying an asset or even using one of the free on Fab at this point if you can't pay an artist.
I'm not an AI-Hater at all, but... I see a lot of posts here from people that are convinced that AI will build entire, polished games within the next few years.
I find that quite unlikely. I've been messing around with all the frontier models a lot and we're clearly not anywhere close to that yet.
Interestingly, we haven't reached that goal even with writing yet. Why? It's just text, no? Given that these AI models have been trained on literally every single book in existence, having them be able to write a short story the way a good writer would shouldn't be impossible, no?
But currently, it absolutely is.
But still, even the best of the best models can't even write one page in the proper prose and with the creative intent that you'd see from a Hemingway, Shakespeare, etc.
Something is still very much missing there. Talented humans without superintelligence can do it, but even the absolute best AI models simply can't.
And every more complex artform - like games - that combine multiple artforms into one just exacerbate the issue.
Most of the stuff I see people post online that they proudly state 'AI one shotted this game!' are still godawful stuff that nobody would actually consider paying money for. And even the non-one-shots, 99% of those are... well, not great.
Now, don't get me wrong, I do think that in the hands of proper creatives, these tools are a blessing and will allow people to get a lot more stuff done than they were able to do before.
But it still very much needs to be in the hands of the right people that actually know what they're doing.
People at large will still want to play the insane achievements that some creative sunk thousands of hours into, where you can see that a ton of love and effort was put into every component - Like they always have.
I think a lot of the people who are excited about an LLM having created their own personal World of Warcraft that managed to get maybe 15% of the way there will then find out that the second part, actually creating a product that people would get excited about and be willing to spend money on is basically an artform by itself.