Okay, here we go.

Step 1: make a subfolder under the :runtime:textures folder in your Poser library. Not really necessary, but it makes for a cleaner installation.
Step 2: copy the texture maps to this subfolder.
Step 3: start Poser and import the object.
Step 4: switch to the Material room - click the Material tab on top of your working screen.
Step 5: Make sure that the "Simple" tab in the Material room is selected: you should have a scrieen with 7 boxes laid out in a square. The upper left box is called "Diffuse".
Step 6: Click in the grey square under the white bar in the box "Diffuse". The "Texture Manager" pops up, asking you to select a texture map for the diffuse part of the material.  Click the "Browse" button and browse to the texture map that should be applied.
Step 7: If the object comes with a bump map, repeat step 6 in the "Bump" box. Turn down the bump value from its default of 2.54 to something much lower, like 0.1 for starters.
Step 8: If the object should be partly transparent, repeat step 6 in the "Transparency" box and pick the transparency map.
Step 8: If the object should have a dull material, click the white bar under "Specular" and choose a dark, maybe even black color from the Color Picker that shows up.
Step 9: Switch back to the Pose room
Step 10: Make sure you have the "Props" library selected in the library palette on the right hand side of the screen. Browse to a subfolder where you want to store your object.
Step 11: Click the + button in the lower right hand corner of your screen, at the bottom of the library palette. Give the object a suitable name (spaces are allowed) to store it in your Props library.

All done. Now you can use and reuse that prop, textured and all, over and over again.

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