Yeah, what this is, is a list. I'm thinking of maybe formatting my laptop soon, and I want to make sure I have a list of all the most useful tools I've found. I've added another entry, so be aware that I will just add to the top list as I remember them. I might even categorize, as there's several other standalone programs in the 3D graphics arena for very specific things, and I might add those just so I remember. Of course, as Sooth has already suspected, my placing these items in a list I really want to remember should vouch for the quality of the programs, and there will probably be something useful for you somewhere in there. Also, many of these programs are available for Linux as well!
Now, more directly at Sooth, by now you've scrolled up and seen my update, and my added quick descriptions. I added that extra detail about Makehuman for YOU. It is an amazing program, but by itself it is seriously lacking!!! EVENTUALLY, I'm sure it will utterly destroy the Poser and DAZ markets, but for now it's on an official Alpha build. The models are top notch with amazing topography, the clothes work... um... okay, the hair is... Let me put this another way. Makehuman by itself can't really do anything. It has a pose feature, that doesn't work. It has a feature to auto morph like in Poser, but it takes a bit of rocket scientistry to make it work, and you have to create the morph in a separate 3D package. BUT... make your perfect model, export in MHX, import in Blender with a full rig, and you can pose everything!!! You can pose, record a keyframe, repeat, and make an animation. You can add hair in blender, but it's kindof a pain. It's all kindof a pain while you're learning, but it never hurts to try the stuff!