I also found that if I resize the window and import a picture that if I scale everything up I don't have all those pesky problems with huge background and iddy bitty V4.  It was a little rough on me figuring it out...but my pic turned out great and exactly what I wanted.  I also got the single prop prim and texture to work and was able to scale that up and down with the information here and at the Poser site linked here.  You all have made my work much easier and me much happier :)  I can't thank you all enough!

Poser Pro 2012 just freakin rocks.