Thank you so much for your assistance RHaseltine, I have tried a combination of file structures that I am mostly pleased with so far. Only drag is that some older poser stuff - doesn't agree with the new poser structures, as well as definetely not with DS - but such is life.

I HAVE TO SAY THAT AFTER THE LOSS OF ALL OF MY MATERIALS - I have regained the majority of them through the good people at DAZ, Poser Pros (didn't know they were DAZ now too) and not to mention Renderosity! Thanks GUARIE for your help and great models!!!

Now if anyone knows how to find those MAYA X, maya hair models that I (and apparently a great deal of others) enjoyed ... I see them in huge quantities. Anyone know what happened to them? Please advise.