I tried your settings with default P5 light, V3 and a few skins, but I cannot reproduce this. Which makes me think there is something odd going on in the Material Room. I suggest that we try out identical things: you choose V2 or V3, and a free texture that can be downloaded here from freestuff. We will ender face camera default and the default three lights in Poser5. Then we will use your settings and see whether we get the smae results. Also in the material room. Of course it's your free choice, but this asks for a scientific approach. I do understand your anger and I want to try and help you with this.

I have tried prudent planning long enough. From now I'll be mad. (Rumi)