You're using D|S - so Poser Figure Artist is a waste of money. The only thing it has that D|S doesn't have is the walk designer, for the rest D|S has everything that Poser FIgure Artist has, and in quite a few regards D|S has better implementations of it.

Poser gets interesting when you're running a 64 bits OS (XP64 or Vista64). In this light, buying Poser 6 in order to get a less expensive upgrade to either Poser 7 or Poser Pro is a good move.
Poser 7 can use up to 4 GB of address space on a 64 bit system. It's still a 32 bits application, like D|S, but it's compiled with the /LARGE_ADDRESS_AWARE flag, so it can use more memory.
Poser Pro, when rendering in an external process, uses a full 64 bit render engine. I've tested it with a scene that was too heavy for earlier versions, and it happily chugged away at the scene, using over 6 GB of address space. Took a lot of time to finish (2 days), but it did finish alright.

On my systems (Q6600, XP64/Vista64) D|S is not stable. Loading more than 2-3 hires figures with clothes and hair, plus a decent environment, invariably leads to crashes. In Poser 7 I had no problem loading and rendering up to 15 hires figures in a complex environment.

Dynamic cloth might be somewhat daunting at first, but once you take the initial hurdle, you're going to love it. Loose cloth with a far more natural flow than is ever achievable with morphs. Wind forces interacting with the cloth.

Dynamic hair is also an underused feature of Poser 5 and higher. And unlike transmapped hair, you can create every aspecit of dynamic hair in Poser itself, you don't need a single external application. Dynamic hair can be deformed just like normal objects using magnet and wave deformers, but it can also be simulated/calculated, just like dynamic cloth. Including wind force interactions.

Dynamic cloth and hair are the animator's friends in Poser. And well-made dynamic hair has a more realistic look than even the best transmapped hair.

The pen is mightier than the sword. But if you literally want to have some impact, use a typewriter

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