Hi Garry,
You could just render the whole thing in Daz tbh, as there are plenty of figures, costumes etc in the library. It even does volumetric fog as of the last major update. However, much as I love playing with this technique, I know what you mean about the learning curve and I don't want to do it too often as it is very time consuming. Plus, even with the latest advances in the physics model for clothes, hair etc, they don't look quite right to me, and the skin detail isn't quite there either in Daz, so I'm sticking with Real Humans® for that
It's not really the sort of repetitive formulaic PP you can outsource to Clipping Path as there's quite a lot of artistic input to the masking, and painting on of various effects i.e. giving them all the assets in a Saturday Kitchen sort of way and saying "make me an really artistic image from this lot" would not, I suspect result in a great image

For more mundane PP though absolutely agree - especially if you have multiple images of the same thing to process. Processing skin for example for high-end beauty results gets really old when you've healed the same spots and creases 6 times

Photoshop has got really effective at automating selections (clipping paths) for certain situations recently, notably people, sky, and a growing library of objects, however it's not perfect and often just decides to miss off a chunk of the thing you've told it to isolate.
For me (and continuing the movie analogy), I'm a one-man production company: Producer, Director, Photographer, CGI artist, Colourist, casting director, catering manager, location scout....

and I do these things for fun. Commercially though, just as on a movie production, I agree it would be bonkers to assign all those roles to one person and expect good results in a timely fashion. They are all separate and skilled jobs tbh, and whilst (because I'm nosey) I like to try out all of these things, it's generally accepted that specialising gets better results in each field. I just realised, there is one job I don't often do on-set: Director of Wind! (or First Air Technician

)
Ahh the video editing

This is also another pie I have a spare finger in. I'm using DaVinci but the learning curve is just as steep. I have a YouTube channel of sorts
https://www.youtube.com/c/OwenLloyd which I mainly use to post up live recordings of me processing images from a workshop or tutorial, so the attendees can see the rest of the process after the shoot, however there are some behind-the-scenes style videos too which require a but more creative input on the editing. The Fog Workshop Trailer was probably the most complex video - and I spend most of the time lining up key events with key moments in the music track.