Attached Link: http://www.3d-coat.com/

I find 3Dcoat to be the best one I have used. the newest version is very easy to use. Fugazi1968 has loads of tutorials for working with Poser.3Dcoat paints over seams. You can turn off parts.   The other benefit is you can go directly from Poser or go through UV mapper and choose only the material zones and body parts you want to use. It is simple to work with Poser characters in 3Dpaint. cheerio lululee