I wrote a lot in your other thread so I won't go into it here again--for the most part.

Just don't go out and buy textures, there are beautiful ones here (see your other post).

Get the V4.2 morphs ++ from DAZ, with those you can make 1000s of different faces and body shapes.

Hair, try those from Poser 6's Jessie (they all work just fine on all vickies and Poser figures).

and about lighting, YEP, lighting is about 75% of a good rendering IMVVHO.  I would start out  with three, one your infinite light, one your IBL, and one point light.  The point light is used for fill and perhaps back lighting and turn off shadows on all but your infinite lighting---for now!.  Other shadows are used inside of buildings because of more than one light.  Outside, in the daytime, we have only one (okay if you have a mirror, you could have another very, very faint one) here on Earth.  Jan