I can shed some light on stuff like the RPG Maker, because as luck would want, today I finished my 7-days game. The last 7 days I have done nothing else than working on a game, watching some Buffy and Angel, did some sleeping and eating, etc... But I don't want to bore with that.
So, in my humble opinion, I'd say that the RPG Maker is a good tool for people who haven't done any game cration yet but would want to try it. Especially if you are a realist and want to start small: With some small 2d game, as example. The tool is simple to use and doesn't need much additional scripting knowlede. In fact, you place triggers, click togther some events (if switch A is on, do Y etc.) and it works. From the perspective of someone who knows a bit more than nothing, the tool is too obstructive, though. Exactly because of all this clickery, doing larger stuff bloats up everything.... But if you are new to the party, I really highly suggest to play around with it, even if nothing serious get's out of it. At least you will learn some basics of game creation and get some feeling of how things went- you have an idea, finish up a concept, create a prototype, etc. You just can't do wrong with that.