I feel your pain, decent quality animation software that is easy to use is basically impossible to find. Normally even if you find a software that can handle character animation, it sucks at environments or lighting. And it also depends how long you want to spend making your cutscenes and what level of quality you're prepared to accept.
Assuming you aren't going to teach yourself a full-on 3D package like 3DS Max, Maya, or even Blender, the next best thing is iClone. Version 7 is so packed with features, the demo video on the homepage made me salivate. But it's $199 base level, and $400 for the version that allows you to import models (like all the Game Guru ones you'll want to use to tie your cutscenes to your game world).
Hash Animation: Master is about $80 I think and does quite a lot but I don't know if it's supported anymore. I saw it in an article but when I went looking for examples, YouTube didn't turn up much. Maybe it has a small, dedicated community that keep plugging away at it (not unlike a certain game creation software I know of
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Source Filmmaker is free and very powerful; it's what Valve use to do their animations, such as those for Team Fortress 2. Not everyone can get on with it though and it may be a bit weighty for a beginner.
If you're literally just interested in character animation, you might want to look into Poser, Daz 3D, and Mixamo. Other users on here have experience of using those I think, I have no experience in any of the programs I just mentioned; I use Anim8or, Fraps, and Adobe After Effects mostly.
AE