I'm good on the morphs, if I just save a pose and check the box for morphs on the second popup that works for me.  The problem I am having is the custom morphs I create using the morphing tool.  I can't get to them.  I have tried spawning a new morph target after I use the morphing tool, then exporting it as an obj and importing it onto my clean figure as a morph target, but Poser likes to crash and burn when I do that, and I'm not sure if I'm even on the right track there.

I think what you said about the materials room will cure the missing files problem I am having.  Except I can't do any more with materials other than loading jpegs and changing colors, so I will have to familiarize myself with that.