It's important to understand that Cartoon Animator is primarily an animation studio not a graphics studio. It has some capabilities in applying effects to graphics, but is far from comprehensive, which is why you need to team it with a Graphics editor such as Photoshop (or if you need an alternative that's free I recommend Krita).
To address your requirements:
1. You can certainly import a photo of someone's face and animate it like a cartoon but, if you want it to look like a cartoon you'll need to do that in your graphics editor first (I actually have a tutorial using Krita showing you how to do this
How to Create Caricature Faces From Photos Using Krita).
2. Just like photos you'll need to create and edit clothing in your graphics editor and then import it into Cartoon Animator as sprites into a character rig.
3. You can certainly import photos and use it as a background but if you want it to look more like a cartoon style you'll need to do that in your Graphics Software first (perhaps try using some of the same effects I use in my Caricature Faces tutorial to your background image so the styles match).
4. Near as I can tell for a full body mocap system you're looking at about USD$7999 but if you want to see for yourself link here to
Perception Neuron's site)
5. Technically yes but, if you want to create more advanced videos with titles, multiple scenes, better sound design etc. you'll also need video editing software (and, as mentioned above, graphics software). I have a list of free and low cost resources (including free/opensource editors) for animators at
The Ultimate Independent Animator's App and Resource List 2019-2021 - Animation and Video Life.
- TET
Animation and Video Life
The Lazy Animator - Tutorials for Cartoon Animator