I don't know if I definately have them.  I have V4 complete.  I believe it is suppose to come with skin textures.  I can't find the info on daz site - and there are no mesh files in the folder I previously mentioned.  In this folder I have 6 total skin files, skin_spec_wet, skin_spec_default and skin_spec_soft dsb.pngs.

And I am sure I installed everything directly to C:programfiles/curiouslabs/poser6.

I did wind up click on the stomach, then a head make-up icon and skin appeared on the model.

I am:  aka Velocity3d