I can't help much with the second skin part, I know you will need a program like grylin said to make the MAT files and such.  I dont know about targas 100%  but ive never heard them mentioned so probably not.  Until you create the MAT file you will have to apply it to each part manually.  I think you can select all and apply but that selects the whole figure not just certain parts.  As for the hair theres wonderful hair here and at Daz and at 3d Commune and a few other places.  Some paint theres on while others use hair made for poser. 

Some to check out here would be 3Dream,  Bice, SWAM (maybe others those are just what I could think of)

At Daz you got Lisbeth and some others, Im not good with all these names lol.

At 3D Commune you have FK Designs (Beautiful hair but kinda expensive)

Then you also have hair brushes and stuff like that here in the store.

Oh and Runtime DNA has some good ones to.

Digital Babes has got some nice hair and its free!