Hi Blindfoldjump,

I hope my input can help you in some way. I do some car modeling in my free-time. I started this with MoI. You can check some of my models in de gallery.
Yes, you can get pretty far with MoI, but when you really want to create the curves as required for sophisticated modeling, you will soon be in need for the more sophisticated tools like surface matching, as available within Rhino and even more refined within AD Shape modeling and Analysis.
You could consider starting with Moi and “grow” to Rhino, also including the AD shape modeling tool later on. At least it is the path I went into. (Still learning all tricks and techniques by the way…)
See some renders here. The white one and the white/green city car are made purely in MoI. The grey sedan (concept 6000) in Rhino, the grey sports car (concept 2002) with Rhino + Ad Shape Modeling and Analysis. As far as my experience goes, I think I would not have been able to create the sedan and the sportscar in MoI.
I often use MoI for setting up the rough form first. As long as no really sophisticated surface modeling is required, MoI is still my favorite program due to its great UI.

Raoul