From what you stated in your first post, here's the thing that you have focused on:

The characters.

Moving forward, you should consider if I get a new application, which one is going to still allow me to focus on character creation? You use D3 and M4 and you've stated an interest into possibly using those two moving forward; which app is going to do that for you the best?

Poser renders really nice and fast, however, if you're looking at male figures moving forward, then you probably do need to look at Genesis. Male figures have always been on the low end of the totem pole, and genesis gives you a instant boost to what you can do. It will make some people mad, but there will not simply be any competition to what's DAZ is offering as far as the male. Period. And before someone mentions Brad... I've been waiting for his release since 2009, and the major push to get him out the door still isn't there because he's being pushed aside by the women... and I seriously doubt the push to clothe him will be there as well. And I've been having fun not only sculpting the head of genesis (like with M4), but working on sculpting the body as well... and the clothes still fit.

Hopefully, SM and DAZ will figure iron out the issues so that genesis will work in Poser, however if you you're going to invest in another program so that you going to use male figures, I'd invest in DS4 first... because you DON'T want to miss M5's arrival.