Welcome to the end of your credit rating, Essence29...:P
Seriously, Don't worry about DAZ3D, yet, focus on learning what Poser can do and what you can do with Poser renders in other programs (like Photoshop, if you've got it)... The stock models are perfect for just learning to use the program... Also, take a stroll through the tutorials section here and pay carefull attention to any poser forum thread with a title like "Can this be done in Poser 4" (you'd be surprised how often someone figures out how to do what was thought impossible)