I don't mind.  Really.  I rarely ignore anyone, just be patient if you do-I work two jobs. XD

Textures are the "skins" yes.  When you have your model (M4 or V4, ect) set with the morph sets, I usually pose them where I want them in the scene.

Then you select which character texture (or skin) you want to use.  Generally they start off with the general skin texture, then you move on to the make-up options (if they have them, male or female) and the eyes and nails (again, if they have them).

Then you can move onto the clothes.  Though I used to simply keep the model in the zero position (the one that you see with the legs down and arms out) and do the skins, clothes and such, then pose them.   It's a preference thing when you come down to it, really.

Now, for M4 you also have the Displacement Maps that you can purchase (and I suggest you do) for the added accent to the body structure and vein work.  In Studio I've noticed that either the low or medium settings (which you'll see when you upload them into your runtime) work best for realistic results, the high I reserve for a pose that involves heavy actions such as fighting or lifting or the occasional freakishly large or cut characters. ;)

The same theory can be placed onto your clothing sets.  The textures are your 'skins'- most sets come with multiple choices unless you purchase say a base Premium Clothing set from daz3d.com.  Take Valiant for example.  It's a clothing set with a weapon but the textures are severely lacking.  Then you look for a texture set, or skin if you will for the idea of clarification, to add that extra realistic touch.

Dar.