I am making one atm, alone.
I am learning what I can as I go... Ruby had my head in knots for a few months, as I am a static/strong typed (self-taught) coder, but I can manage to write simple scripts now even with the bizarre syntax. But mostly I have re-purposed community materials from authors that don't mind commercial use.
I intend to release the first chapter or two for free and see what the reception is like. If people think its worth paying for later chapters with extended features and story, then I might make it a regular thing.
As for assets, I have done several re-colors with Photoshop on some environmental pixel art. Turned out rather well considering.
But actor art is another story... If I end up actually making money with it, I will pay someone to make a series of applicable actor art, and some more variants of stock art...
Some of my recolors:
One of my early towns:
I'd say go for it. You really have nothing to lose, besides a sense of self importance.