I followed Jestmarts reply and re-installed da from 2.2.15 to 2.2.20, what a difference!  Everything works, renders work, no more locking up.  Im sill working on the textures, I'll bet it has something to do with this UV Map.  I didnt buy any UV Maps that I know of.  A couple of skins have worked on V3, but not V4 or Micheal.

Markschum, As far as the content folders... First I was manually putting files where they seemed like they ought to go, untill I figured out they had to be unzipped (somehow I thought double clicking them was "installing" them and there just was no official looking installer.)  Anyway, at some point recently, I started "installing" all the files to my content folder (which contains my runtime folder), which is working out much better, but still not perfect.  Many of the installers end up making new runtimes and new contents and new people/figures/prop/clothing folders.  I am assuming that is the fault of the person who designed the object or the installer, I have not had that problem with DAZ, though they do have studio and non-studio folders for some reason.  Im still working on skins...