I don’t really like the anime art style of RPG maker either, but it can all be swapped out. In my game, I’ve taken out all the ‘chibi’ style characters and replaced them, so you don’t really have to go with the anime style if you don’t want to.
I kind of have to disagree with the idea that games require AAA graphic quality nowadays. Plenty of indie games use pixel art, or have a game concept in which the graphics are not that important.
And of course, we have Epic Character Generator! In my game, 90% of all enemies and NPC’s are made with epic generator, and I am quite happy with the result.
Still, a computer game is quite a bit of work indeed!