Blender
 

Blender is an amazing 3D modeling, animating, texturing, shading, compositing, and game development application.

Get it at blender.org.

Here's an example of realtime blood flow visualization. (Created in about an hour)

bloodFlow.blend

Blood flow 1 video
 

Here's another one, with better physics and arteriosclerosis simulation. 

bloodFlow3.blend 

Blood flow 3 video

 

Here's a simple template for building RPGs.

monkeyFight.blend