thanks for clarifying (and being willing to repeat yourself).  i think a percentage for that type of usage is very generous.   i've personally got no commercial plans at the moment.  but i really would like to make at least free dynamic clothes.  i've actually gotten into this because i got sidetracked while doing test images of a simple tunic i made for someone.  i eventually need a workflow for test images that doesn't involve working on materials pretty much at all.

i will say, lots of people who are well beyond noobs would probably like just materials and lights that work right.  even if they did follow your threads.  and lots (sadly) don't.  Poser is a tool for the average citizen to act out their creative impulses.  true, for most that's just pinups.  but i think there's some inherent value in having a creative outlet in life.   and if you just want to make stuff, spending hours figuring out materials and lighting can get in the way.  a decent level of realism is actually the most popular style for work in galleries here.  it's just that the average level of realism in the galleries  is dependent on the average level of realism in popular products and freebies.