If you have an artist with decent technical skills, enough time, and an excellent art director, you can still achieve great results. Eventually that Artist will learn and become better in what they independently produce.
Plus, the art is visible through a camera, and with post-processing and FX - which are easily controlled or influenced by that same art director. Just tweaking colour, camera angle, and FOV can produce incredibly unique results.
I had a very small budget, and no team, and was able to produce something regarded as reasonably good-looking in 3D for Frontline Zed: