@ - the sad fact of life for solo developers who are not programmers is that you do indeed either have to be talented at game art yourself, or have to bring on a dedicated artist (paid or otherwise) to get things done in a modern 3D game.
But the thing to realize is, that’s true of any engine - you will be bottlenecked by lack of art and animation as an indie 99% of the time, and it has little or nothing to do with the engine you choose. Arguably, UE4 comes with more free art than any other engine on the market, too.