So should we all. :) I've also been contemplating this for some time, from a merchant standpoint. I remember the delight of old Poser freebies where you'd download "Xena" or something, load the file, click the pz3, and she'd pop right into the window looking exactly like the preview shot...hair, clothes, lights, pose, and everything. I find this oddly atractive as a merchant, but the practicalities are another matter. Just one for-instance; with all the trouble lately over textures, making a full character texture is about the last thing I want to get into now. We are far from the innocent days of P3, with the free-wheeling trade of hair and character textures, and the far, far, smaller files. Hair and skin to modern standards is a big job. Not something lightly included in a clothing package! That said, I try to list every major item used in a product render....and when possible, use free products (at least, those that are licensed for commercial renders).