You mean not free for you, or anyone? Because lots of us have free legal copies. INcluding people who have not been in school for some time. If you need help finding the page, PM me.
My ideal would be MODO with MUD, or MAri when MAri is OSX ready... For High quality modeling only.
But I have MUD and Maya, because they were free, even though I have been out of school for a while now.
Anyway,
Modo is your best bet if modeling is your focus. You really cant use a sculpter for anything without also having a modeling package. Buying 3D coat and using blender does not make much sense to me at all. Better to get MODO and use PS for painting.
Modo is on sale until christmas for 60% off.
A sculpter is not a modeler. YOu will not have much fun with your sculpts without a modeler working along side.
And while TG can handle raw sculpts (to a certain point (very memory intensive)), its only ideal if the sculpt will be very close to the camera. Otherwise, there is almost no reason to import a raw sculpt.
If you buy 3D coat, but don't have a dependable Modeler to use with it, I think you will find that you waisted your money.
http://3d-coat.com/tutorial/free-tutorial/connection-with-other-apps/