"...Until that is, you get the dreaded "Out of memory" generic error message when Poser can't find an obj file or a texture file..." 

I always check file paths before I install anything - probably a good general practice so the OoM error isn't an issue, ditto missing textures (which don't generate an OoM, they prompt for the file location). At any rate, it P4 does the trick for someone I don't see the utility of spending money for something else but each to their own :-)

"Democracy is a pathetic belief in the collective wisdom of individual ignorance." - H. L. Mencken