All of that can be circumvented.

• Install V4.1 wherever the installer wants (in the default Library)
• Install whatever morphs you may have that require ExP (basically just the muscle morphs as far as I know)
• Let the V4.1 updater run one time

Then open Poser:
-  Load a V4.1 into a blank scene from the default Library

• Re-save the figure back into whatever Library you want

This writes a one-piece CR2 file that should load quickly.  This leaves the geometry and textures in your default Runtime, but these files can be moved if you really want to move them via editing the text file of the CR2 by hand, but as far as I know, since these files don't live under RuntimeLibrary, they shouldn't affect Poser's performance, so that might not be worth your effort.

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