Making a living by telling stories is my dearest dream. If my stories weren't earning me any money I'd stop making them. I could go on without any payment when I was a kid, but I cannot do it now when I now the joy of being paid for what I like to do. Going back to making comics/novels for free is like going back to eating grass after you've known what meat and bread taste like.
It's not bad if the models you use are not copyrighted. A lot of people use Daz models for references, for example. But if you're just tracing without thinking it will show. On some subconscious level your readers will feel that something is wrong with your art, it may even give them the "uncanny valley" feeling.
So proceed with caution. Always try to understand the pose and facial expression, not just trace.
But if it's done right 3D helps a lot and saves about 80% of work and time. I use it myself.
My readers say they enjoy them and find the reminders I include in these comments very handy. My comic is over 5 years old, so it's easy to forget something if you're not binge reading, so I remind, with links, where we've seen someone/something before if it's important at the moment.
According to my counter, new readers spend about 20 seconds on each page, so obviously, they don't read the comments.
I wrote a short scifi story when I was young. There were only six pages and four characters. Many years later I accidentially turned it into 500+ pages monstrosity that is now "Gifts of wandering ice".
I have a story to tell!
Once upon a time I was a kid returning home with my dad late at night. At the end of our journey he told me to wait for him in the car and went into a store to buy us something for breakfast. Shopping took him quite some time, I got bored and was watching cars passing by.
That's when suddenly, out of blue one of them f#ing exploded! Just like in a movie, but in real life it was much more scary.
My mother was working in ER at that time and it was her team that was called there. She said the driver survived and got only minor burns, but the car was destroyed. It turned out he had several canisters of gasoline in his car (why, I don't remember) and something made them go boom! Lucky man. He didn't think so, though, being super upset about his car at the time.
I've had a near death experience before and it wasn't scary. It's just world quietly going dark around you, fading into a serene starless void where your pain, anxiety, and problems don't exist.
I don't think there's anything behind this void. Unless our world is a computer simulation, of course. Then I'll just create a new character and go explore a new world. Something with magic this time, or with space travel, please.
I post my updates on Reddit and even though they always get downvoted, I still get traffic from here. On a Russian site similar to Reddit (Pikabu) it's even worse, but still: traffic and even some active readers. That's what really is important. You don't lose anything by being downvoted and always gain something.
3D art is my day job (I work in an animation studio). Modelling/sculpting, UV mapping, texturing, shading, rendering, I do it all.
I use 3D in my comic a lot, too. Backgrounds, poses, all this stuff. But going full 3D - NOPE! The amount of resources and time you need to produce a decent looking render is monstrous. I know, I see it every day in my job.
2D is cheaper, easier, faster, and in most cases looks better.
There are lots of other ways to learn besides art school, don't worry.
And if coutless free tutorials online don't seem enough you can always find some paid courses in your area or even hire a teacher.
Personally, I recommend also learning some 3D (Blender and Daz are free, you can start with them). It was a life changer to me in many ways. Feel free to ask me anything about it, I'll help.
I love all non-trolling comments, but my favourite kind is where people ask for more info about my worlds and characters. I can talk about them all day and really enjoy doing this! There is often much more info about them in my head than I put into the story for my readers, so I like to share the hidden stuff :)