I already have a full copy of Zbrush and a subscription for Modo. Zbrush was something I only had to pay for once so it’s no longer costing me anything unless they change their payment model somehow, and Modo is about 50 dollars I think. I am currently also using Houdini apprentice but intend to upgrade to indie at some point which would be another 50 dollars a month. Because of this I am very reluctant to buy MD when not only are you not allowed to use the personal license in case you intend to create your own corporate entity (which you have to do if you want to become an indie dev, which I intend on doing at some point) but the corporate license also costs over 150$ a month! Wtf.
For those of you who already have the software, how much are you missing out if you just use Modo+Zbrush for clothing creation? Is there a massive difference between the clothing you can make for characters if you use MD rather than just sculpting them in something like Zbrush?