You might be asking this question if you’re interested in 3d, but are starting out late (age-wise). The short answer is no. You do not need to take life drawing lessons, nor do you have to read tons of books on anatomy or figure drawing! What you need is a good pair of eyes, and this can be trained through “Observational Drawing.” Here are two examples from an artist that I know. If you ask him to draw you a character from imagination, he wouldn’t be able to do it. Line of Action, Contrapposto, Gestalt, Notan etc…? He has no clue. Give him a reference, and he can bring it to life in 3d.
All these were modelled in Wings3D. You’ll see more and learn from him later on once his website is up.