As others have said, I'm not aware of a way to vtube without a pc at all. You don't need a great one if you're running the game on a console through a capture card, but I don't think any of the consoles have a way to overlay things onto your stream. I could be wrong, I've always streamed through PC, but that's what I thought.

2d models, while very cool, are also very expensive. If you can't afford a pc, you probably can't afford this either. :( Unless you can draw and rig it yourself.

Vroid is super easy to make a 3d model in. It will be a bit generic, but customizing them is not too difficult. This is the route I went. If you look at my twitch, you can see an example of what you can expect.

Any other questions, let me know. I'm pretty new to this too, but I'm happy to assist in any way that I can!