it depends on how skilled you are and, as always, what platform you are dealing with.
I love C#, and did "major" in C++ before I discovered C#.
But let me just spell out the facts here:
1) If you use Visual C# (If you don't have it, get the express edition. Google it.), XNA Studio is pretty good (or so I hear. I just started with my first real game project in C#).
2) Most other freeware libraries out there are for C++, so unless they are Open source and you are willing to translate them into another, more basic language, you have to find one that supports another language.
--Of course, you could just write a library in whatever language that directly accesses the hardware. But unless you are in prison or somewhere like that and have nothing else to do but look up specifications and beat your head against the wall in frustration, this is a no-no.
3) Visual C++ Express has DarkGDK, which is really good, and XNA support. Both are availiable for free from Microsoft.
4) Yes, unless you do like a console game (as in Dos-style), which is almost guarantied to not sell (if that is your goal), it is gonna take quite a lot of manpower and time to do this.
--Think of the Harry Potter Games. They make a new one almost every year, but it is also made by one of the biggest game producing companies in the world, with almost unlimited resources, programmers, level designers, artists, sound technitions, etc.
There you go.