Blender 3D. It's free, the user-interface is rather complicated. They're working on a new version (2.5) which overhauls the whole user interface, but that is still in Alpha stage. If you're willing to give 2.49 try even though it's user-interface will change again soonish, I can give some pointers.
To get the user-interface to work more like other 3D applications, grab the edge of the options bar on the top and drag it downwards until you can see the extra options. Changing View Zoom, Middle Mouse Button and View Rotation (turntable AND around selection) helps you if you ever move to 3DS Max.
In Blender, you get a menu from space and can add objects, skeletons (called Armatures in Blender) lights etc.
When a menu pops up, you can select the first option with 1, second with 2 etc. When there's no menu, number keys change LAYERS, so if everything disappears, press 1 before panicking.
'H' is for Hide; everything you had selected is now hidden. To unhide everything, press Alt+H.
Blender's most useful quick-keys for me are G, R and S (grab/move, rotate and scale) and axis keys: X, Y, Z. Z is up. G-X moves selection in X-axis only. R-YY rotates selection around LOCAL Y axis only. If a head is pointing straight up, both local and global Z axis are the same. If the head is pointing slightly forward, local Z-axis rotates head left and right, global z-axis rotates head as if someone grabbed it and tries to snap your neck.
In the second picture here, you can find how to change from normal mode to Edit Mode (where you move vertices, edges, polygons...), and other modes. Texture Paint can be tricky at first,texturing in 2D is simpler. Weight Paint allows you to visually paint the areas which specific armature bones effect.
From the on, the buttons let you choose: how objects are shown (wireframe, solid, shaded), what to use as center (object centers, group centers, that weird targeting thing), grab/rotate/scale buttons and global/local buttons, and the last four buttons are for selecting vertices, edges or faces, and if you can see and select vertices on the backside of objects.

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And I got way wordy again.

I should be working! And 'B' is box selection tool!