I forgot one thing: No one has brought up the issue of bump maps. What is "best":

• Leave the texture as a jpg and reference it in the cr2 character or MAT pose and assume that everyone is using Pro Pack or Poser 5 and can use jpg files as bump maps.
• Leave is as a bum file and add 20 to 30M to the zip file... or more. Just how big does a 4000x4000 file become when it's converted to .bum format?
• Name it "_bum.jpg" with directions (in the readme) for people to convert it to .bum format before using the cr2 character or MAT poses.