Eh you guys worry about the hardware too much, that's honestly the easiest part where you just need money. You don't need anything crazy, just a computer with couple of 980 ti's that can run 24/7. Memory is not an issue at least in Octane, since you can do out of core rendering - use RAM instead of VRAM.
The animation is the harder part, but at least the sex loop can be done pretty fast, if you learn a couple of tricks. It's the non-looped stuff that is a bitch. And you don't need to animate 4000 keyframes, computer does that for you. If you are using such shitty assets that they need to be animated frame by frame, you have only yourself to blame.
The hardest part, at least for me, is the software. Or rather figures. If you can use 3Ds max, maya or something and have the knowledge of rigging and creating a character there, you are golden. Otherwise you are stuck with genesis, which works great in daz, but is unusable outside of it. Unfortunately, daz itself is unusable for animation, so that's a catch 22. I am trying to figure out a way to use genesis 2 outside of daz, I have had some success but it's not issue free yet. I have another idea which I want to pursue when I finish my current project.
Generally I think there is money to be made in animation and I don't think you need ridiculous setup to get you started (however it will set you back couple of thousand dollars). But you have to love what you are doing and pursue money as a added bonus, if you just want to animate for money, I think there are better ways to make them.