So I bought Poser. Found it on a sale for $80 (usually $200). Sale link here:
 
Poser Pro: 3D Art + Animation Software for Windows & Mac | Neowin
Bring your creative vision to life! Poser Pro will help you easily design your own morphs & more
 
Neowin (deals.neowin.net)
Installed Poser, and spent the morning exploring. Wow, Poser is WAY better for animating 3D characters than anything I've been doing previously. I'm abandoning all earlier techniques to focus on Poser, and wish I'd done this a couple of years ago. Dang, I wasted a lot of time on tools I should have just ignored.
Here's an introduction to animating in Poser:
 
 So you've encouraged me to follow your lead in this direction.
  So you've encouraged me to follow your lead in this direction.