Of course art matters also, but it's not nearly 95%.
At this point, I'm guessing you don't have any shipped titles behind you.
And you have to fit the music also into that 100%.
I really don't think music is going to affect how pretty a game looks, but if you're sure.
Let's say I want to make realistic looking white cube in a white room.
Not much arts needed I think, just a plain white texture. But then it's up to the engine to render the light and shadow to make it look real with all reflections and material properties.
Not much arts needed I think, just a plain white texture. But then it's up to the engine to render the light and shadow to make it look real with all reflections and material properties.
If you think you're going to beat Crysis by feeding your engine white textured cubes and expecting it to do all the beautifying, I fear you're in for a major disappointment.