@KeetI use Daz Studio to create the images for my stories. Typically I enhance the images by using various applications, such as Photoshop Elements and Snap Art. The DAZ Studio application is free, but content is required to make use of it. While some content is supplied, to go very far, more content is needed, and this is available for purchase at the DAZ store and many other places. Free content is also available from many sources. And it's possible to create your own content.
Making an image from scratch with DAZ Studio takes me an hour or more, and I've had years of experience. (Which is not to say I'm an expert; there are many DAZ Studio users who have much more skill than I have. For me, it's a hobby; I enjoy integrating images with my stories. If I had talent enough to draw and paint, I'd do that. I think there is some art to creating DAZ Studio images, but it's mostly craft.)
I don't think my illustrated stories could be called comics. Most of my stories are quite short and include only a few images, typically fewer than five, often just one or two. Ideally the images play an important part in the story. They should add to the story, not detract from it, and in the best case the images should be critical, such that the story would be unfinished without them, something I admit I seldom achieve, for various reasons.