V3 is an extra figure, available from Daz.com. She - with the male figure Mike - is usually free of charge. However, many of the characters based on V3, which you find here at Renderosity, require the purchase of a morph-target set. These morph-targets allow the body to be sculpted into new shapes.

As to why the downloads aren't showing up - if you've downloaded some textures, they won't be in the library at all. You have to go to the Materials Room and open the files from there. If you write back with a clear example of what's going wrong, we can all help you to get things working.