THIS.
This share of the market uses (the """"""""dreadful""""""") RTP graphics, but make a profit because are cheap games, and the original art appeals to the buyers. The game is more of an excuse, but yeah, they profit.
If you want to have fun and some a couple games, even commercially, no problem using RPG Maker as an engine. It is as if you're racing with your car.
The moment you want to get serious, you may want to learn/create an engine for yourself. Because for any serious racing, people will build their own car instead of buying a generic one.