Quote -  I have 4gigs of ram, and poser was using 1gig when it gave this error.

Have you given any thought to adding a Flash Drive and assigning it to virtual memory?  Aside from the other tricks you've done to help yourself, you could add another 4GB USB flash drive to do swapping and it would be much faster than your hard drive.  Flash drives are dirt cheap and extremely handy to have.

I, too, am an Age of Conan player, and I've discovered that AoC has some serious memory leaks.  It doesn't close itself down and clean up after itself well, so after a session of AoC I always do a reboot if I'm going to play in Maya or Poser.

Another great utility to have that's also free is Process Explorer.   It's free, from Microsoft, and is one of my favorite tools when I'm trying to figure out what my machine is doing behind the scenes.