If you are saving it to the materials library you have to go to the material room to apply the texture.

You can make MAT POSE files that can be applied in the Pose Library in the pose room, but you need MAT POSE EDIT to do that. It's free at this link:

http://koti.mbnet.fi/~ilaripih/MPEHome/

"It is good to see ourselves as others see us. Try as we may, we are never
able to know ourselves fully as we are, especially the evil side of us.
This we can do only if we are not angry with our critics but will take in good
heart whatever they might have to say." - Ghandi