in the figures library there should be two check marks at the bottom. The single one should load a figure , the double replaces the current figure (or vice versa) it should indicate which when you move the mouse over it.  The + and - are to add and  delete stuff from the library.

In the poser room the same check marks load the pose but one is as standard pose and the other as universal pose.

Morphs load as a pose file .