i've experienced a similar problem in Poser 7.  i just assumed it was one of the  3rd party scripts i installed.  if i go to Scripts > Figure > Zero Figure, it locks my figure's middle and ring fingers, but not index and pinky fingers.  and i've had the neck lock problem before.  restoring does fix the problem, but it's annoying.

i haven't tried it on different figures, do i actually don't know if it's specific to V4 or not, let alone a particular morph set.