In Daz Studio you should look under the "Pose" folder. There should be some skins already there for Victoria 4 without painted clothes.

Renderosity -> Free Stuff, there are some V4 morphs with skins. You will have to do a "search" to find them.

Also I visit www.sharecg.com and pick up a lot of free stuff there. You need a open account to download. Don't worry it's free.

Daz's own Free Vault = http://free.daz3d.com .They don't make it easy to find their Free Vault, which is really strange considering they put a free item on the market at least once per month.

Also check out Renderosity -> Market Place -> Poser or Daz Studio department -> Clearances. You can pick up some great low prices stuff in their clearances section.

Important Note = A lot of free stuff don't play nice in Daz Studio because they were originally written for Poser. You may have to get your hands dirty and edit their files. Not for the faint hearted.