If you are a US citizen and are using a material produced by a US citizen (and no citizens of a Berne Accord country), commercial use is IRRELEVANT to whether or not something is a copyright infringement. Copyright law (Title 17 US Code) explicitly covers DISTRIBUTION and PUBLICATION of any form for copyrighted material. The difference is that if it is not done for profit, there is less chance of criminal action being taken by the government (although a civil trial could proceed on the initiative of the copyright holder who claims infringement). The material that comes with Poser has a license that permits fairly free use (but not direct redistribution). My morphable dagger and my wife's Uthena Dress texture has a license that only prohibits redistribution of the specific files. Other licenses that say "for personal use only", if you want to be legally safe, really do mean that--no publication at all of the results.