Don't worry about it. I will say though, in response to some things you said:
- Unity is free, it only costs money if you want to publish without the Unity splash screen, or if you want to put your game on a platform other than PC/Mac/Web.
- As far as content goes, yeah, you can get a lot on the Asset Store. This includes code, models, particle effects, and pretty much anything. But yeah a lot of it costs money, and you still have to do a lot of work. The biggest thing is you don't get a "full set" that gives you everything you need art-wise like RPG Maker offers. That's a huge benefit of RPG Maker.
- With regard to models and riggings, most things I do in Unity are 2D or 3D with simple objects. You don't have to have animated 3D models with bones and things for a lot of games. You can still make sprites the old-fashioned way and make puzzle games, platformers, and so on pretty easily.
The main advantages of RPG Maker as far as I can tell are: it's easy to get assets that generally fit with other assets, it's insanely quick to get your game up and running, and you aren't staring at code non-stop. All of that said, though, it does feel to me more like modding a currently existing game than making a new one from the ground up. There's nothing wrong with that, of course! Again, the amount of work to a playable, full game is dramatically reduced and the barrier to entry is way, way lower.