Workflow?

ah. well, it all depends on what you're making. For instance:

Outdoor adventure game level:

*Create terrain in Total Terrain (free :D)
*Create trees in treeD (requires giles to convert to b3d)
*Create static meshs in Wings3d
*Unwrap meshs with UU or lithunwrap (free)
*Texture with gimp or photoshop
*All the while positioning meshs and props in TerraED

(obviously tools can be interchanged)