If you want a lot of clothing choices, DAZ V3 is probably the best option just because of the high number of clothing items compared to everything else.  However for textures, bump maps and shader setups, content for DAZ V4 is more advanced - rather few V3 material setups include a bump map or skin shader setup, but nearly all V4 sets have at least a bump map, and often a specular map and a nice shader setup.  Not that you can't make these yourself, and not that all the commercial bump maps or skin shader setups are very good (sometimes they are very bad indeed).

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