I freaking suck at modeling and I've been at it for years. Been working with Unity and shipping stuff for a decade. It helps to know how to get the right partners I guess, but I've always been able to get stuff done with Unity. Now the momentum I have with my app store, maybe there aren't many ideas anyone could throw at me where I have to do much more than load up a few things I already own and push stuff around. I barely write code... But its' a lot of experience, unity has gotten massively better. I used to write a lot of C# and trained collaborators on Playmaker. Now it's more focused on just keeping the working directory clean, I don't really like their collab stuff, I prefer to maintain my own git.

What I do and have done is never the same as what most people do for spit and polish, but I'd say Unity has the functionality especially now for people who "can't 3D model too great". I'm pretty sure Unreal can function similar too, maybe with a slightly steeper curve but some neat efficiencies. I think that reality is aaaalmost here though.