Strange, for some reason this image got through moderation. But I uploaded this same one, with more vibrant/ saturated colours, weeks ago and it didn't make it through. Are there any rules about colour contrasts?
I pose the model infront of a green screen in Gmod, Put the image in photo shop. Then I use the half-life model viewer to take screen-shots of buildings and other models and basically construct the city in Photoshop. It's very time consuming, but it gives you more freedom in terms of concept.
I recently got XNA Lara so I can now fool around with Lara Croft models. My next step is probably the Unreal model viewer which'd give me a lot more material to use.