...repeating the same task will teach you optimize your workflow, find faster ways to create something. If someone want to know how create character rig, then his first steps must be create very simple animations, understanding principles in basic things (which could be done in few moments instead of days), study the theory, tutorials and works of others and take the best things of all of them. If someone want to learn c4d with zero experiences in DCC, starting with advanced character rigging, it is very bad start. (just my opinion)
...but back to prices :)
Yes, as Nigel said, price for Studio is high. High for hobby users, not for "commercial" users, those are different category.
Can not say if modular system was wrong in business system, but for hobbiests was great.
One posible way could be system "rent-to-own" (perpetual licence ofcourse)