looniper;

Are you sure about this? Every source I've seen says that the second of your examples preceded by a colon, i.e. ":yourfolders:image.jpg", is the correct reference to use, with Poser automatically assuming the "Runtime:Textures" part.

The main problem I've come across (only in freestuff, admittedly) is in items which have absolute, Windows-style file references - "c:program filescurious labs..." etc. That's a major pain if your default folder happens to be "e:poser 4".