I spent a few years programming a game (
http://clash.apolyton.net ). I quit working on it because I started working in a game company, and didn't resume after quitting that madmen firm.
From my experience, it's very easy to find anything between 1000 and 1 million would-be game designers. But you really only need one.
It's much harder to find programmers, although it's possible. Even them, they're not always reliable, as you can't do anything if one decides to quit, falls ill or whatever.
Artists are also problematic if you want a 3d game. Even going 2d you have some problems finding them, but 3d art requires a lot of work, and indeed you're unlikely to get a lot done easily.
After leaving the project for one year, considering there was noone else left, I decided it was not worth cgoing back to it (particularly considering Civ IV was excellent in the same genre). I started another project to check, but stopped short when I started needing 3d artists.
I think I'll stick to 2d art (the way Dom is done) if I decide to start something again.
Not that 3d brings much to anything in most of the cases.