I make and sell (used to sell) art toys on Instagram, and I make my digital sculptures in Blender since it's Free and Open Source. CGCookie.com just came out with an up-to-date course in sculpting with the newest version of Blender (2.8x). I highly recommend it. It's mostly up to par with zBrush, and you get the benefits of the FLOSS community. https://cgcookie.com/course/fundamentals-of-digital-sculptin...

I outsource that. I find 3D design sculptors on Upwork and CGTrader and tell them what I need. When I'm satisfied with the result, I send it to my 3D print guy who makes a print for me.