Hey — totally get where you're coming from. I’ve been in similar shoes before, working on a mobile RPG with a team of 3 (basically just me and two friends from uni). We ended up turning to Devoted Studios for environment concepts and a handful of polished character models. I know it sounds expensive at first, but they actually scale their services depending on the project's size and budget, which was a relief. What really impressed me was how they helped us avoid the whole "template art" look. They’ve got a global artist pool and match you with a style team that actually fits your vision.
If you're curious about how they work, take a peek at their process: devotedstudios.com— they explain things way better than I can.
Anyway, I’d say if you’ve got at least some budget and you’re stuck, it’s worth reaching out and just starting a conversation. We found them surprisingly open to small-scale stuff. Hope that helps.