Thank you both, that's extemely helpful info!  It brought up a couple more questions...

1.  When you buy a pose you are just getting the pose file correct... like if I made a pose I loved and went into daz and saved a pose as "save DSF Pose".  When you make a purchase (or whatever) that's the file you'd receive correct?  I haven't purchased or downloaded any free poses as you might have guessed... so not sure how to get them and install them either!

2.  I've played around with the dials for both genesis and V4 and been happy with the results... but I just save general "save" (I think it's save scene?)  Should I be selecting save "character file" and that's that?  Like if I bought a character, it would just be that file am I getting this right?  Oh and if I'd buy a character, load him/her into the scene, are the morphs++ or genesis dials still there so that you could alter that new character too?

3.  How can I stop losing my files in Daz4?  OK that's only a half serious question... I'm finding it difficult to navigate the Content Library and feel like I lose my stuff 80% of the time.

Thanks again so much for your help.  I'm a traditional artist attempting to dabble in the world of digital and I just feel like things aren't clicking for me just yet!  Took me a week to build up the courage to ask my questions here afraid people would laugh at me!  :)