that's subdivide smooth, not just subdivide :) You may also want to use the tools in the knife tool menu (k key) and reposition the new vertices manually. It's strange that your poser figures won't import, it'll be really obnoxious getting stuff to fit unless you can get that to work. I wish I could help, but I don't have poser or V3 and M3. Other people have posted and solved different import problems, I don't know about yours though.