""Are the polys at those points actually welded?  Can you show a wireframe view of, uh, that region close up?""

I think it is either this or what Connie suggested for sure.  Not sure if I can explain this right but before whenever I would group parts in Carrara and then go into Hex with them all of the parts would become un-welded.  That was actually one of my biggest frustrations.  When I exported this figure from Poser and took it back into hex as an object - sure enough it had 3 seperate parts.

I welded all and brought it back in.  So now today I'll see if when I add bones back it does the same thing.  Adding Apollos bones also renamed my boxers "Apollo".  I'll get to that later though.

Could also be what Connie said because there are no groin or ab groups in there.  Just Hip, rThigh and lThigh.

Thanks for the suggestions.  
I'll stick to this thread for updates now, last night I was tired and couldn't find the old one.

I am:  aka Velocity3d