Yes, reset the displacement value to zero.  Yep, the Reflection_Lite_multi, unfortunately, is ticked on by default.  Most of us familiar with Poser will venture into the Material Room for quick changes and rearrangements.  I, myself, will reset all Diffuse_Values to 0.8 (80%) on all models and props.  If I need bump and displacement maps and there are none available, I will create them.  In most cases, you should inspect the content right out of the box; vendors can erroneously make fatal node connections which a newbie would have a hard time figuring out.