As of yesterday, I found a solution to the Poser problem - it's called Daz Studio.

Now that the 1.0 has been released (the beta was kinda buggy, so I hadn't used it much before) I'm pleased to report that not only did I get NO out of memory errors, crashes or freezes while using Daz Studio, but it's much more intuitive (read: easy to use) program than Poser. Plus, it's free.

The perfect solution for the casual hobbyist, like me.