But, I can download already made 3D objects from the internet, color them to suit my needs and use them on my tori. I can make my whole tori to look like a freaking Mortal Kombat character for 0 money invested.

Would you go to shop and buy gradients, hairs and stuff for TC or USD, the plain 3D objects that generally look weird on simple tori doll, while you can be a Mecha robot, or Quake grunt, or anything, if you are just not lazy to Google a bit?

I sure would not.

The whole thing about 3D objects is welcome, but it really goes against Nabi sales and stuff. Like, idk, maybe it should have been given a bit more thought?

Yey for customization ans all of that, but if would impair my paycheck at the end of the month, I would just remove the whole thing.

Only if this is limited in some way, like you said: buying the special item in shop to be able to set the 3D object on your tori, and it shouldn't be cheap.