[gameprogrammer] Software Development Kits

Hello GameProgrammers,
   
         I thought I would start a topic discussion on development tools.  With 
the new XNA development download out by Microsoft, suggesting hobbyist and 
individuals to create video games on their own.  If the games are good (based 
on popularity) then it is possible other gamers can download the game on the 
XBOX-360.  Is this another Click-and-create-a-game software that teaches people 
you don't have to learn any programming to create crappy games or is this an 
actual tool that Microsoft is providing for free?  Likewise on this topic, what 
development kits are popular and valuable tools in creating games of today?  
What tools do you like to use in creating your games?  For 3D Modeling I heard 
3D Studio Max was a powerful tool, what do you think?
   
  Thanks for the thoughts,
  Draven

                
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