I use a good primer on my figures, like Tamiya's Fine Surface Primer. Rustoleum's primer is good, too, but Tamiya's primer has a finer grain to. But a good primer helps your finish coats adhere better.
You don't have to use gloss paints, neccesarily; you can use matte colors and then use a gloss coat to seal everything. I use water-based acrylics more and more, because they go on thin and don't obscure fine details. Then I seal with Future aka Pledge Floor Covering, which is an acrylic liquid. I've also started using Future to make tinted glazes to apply over the finish colors, for additional shading.
I also use Tamiya acrylics, which are alcohol-based. They must be thinned for best use, and I use Tamiya's own thinner for that.
With my water-based paints, I like to use a wet palette,which is basically a container with a sponge, and a piece of permeable paper over it. You put the paint on the paper, and the water in the sponge thins the paint, let's you blend colors, and keep a batch of paints fresh from one session to the next.
Water-based acrylic also dry relatively quickly, which means you can work faster.
For enamels, I use a ceramic palette and mineral spirits.
Remember, too, that if you're not happy with your results, you can always strip the figure and start over. Practice, practice, practice.
I hope that helps!
Prosit!
Brad