Okay, so I found the manual!!!  Whohoo!!!  I was originally looking for one in the software, but it turns out I had to download it from the DAZ website (I only accidentally stumbled across it, too!).  So I've got things going with the default figure, but it's not quite sophisticated enough as far as what you can do with the figure.

I want to be able to manipulate the individual bone structures and individual muscles and such, rather than just increase the scale of a partiular body part.

So, if I download V4, is that compatible with the free version of DAZ?  And is V4 simply a more sophisticated version, or can I get some software that will enhance the default Victoria that I have (I think it is V3)?

I noticed some muscle maps/muscle morphs over on the DAZ website, but I can't tell if they are just textures or if they actually allow manipulation of individual muscles/muscle groups.  Does anyone know for sure?

http://www.daz3d.com/i.x/shop/itemdetails/-/?item=4175

http://www.daz3d.com/i.x/shop/itemdetails/-/?item=3940&spmeta=ab

As for mastering the software, that will take me a while, but it seems that the "base" software is a little bit too limited to accomplish the level of detail that I'm going for.  That is, I already know what I want it to look like, and I already know what (exactly) needs to be changed in order to make what I want, but the kinds of changes possible (i.e. scale changes) don't permit me to do exactly what I want to do.

Thanks for all the input so far.  It has been really helpful in getting me started.