I'll work on a screenshot for the texture issue.

As for the Kinematics response, I believe that will fix my issue.  I can just make new template characters.  Been wanting to for awhile anyway.

The Texture Manager is the window that opens when you click on a texture map in the Material Room.  For example, if you click on the Diffuse Color texture map, it opens the texture manager.  The drop down is right above the "browse" button.  The listed textures on that drop down is what I am referring to.

Best I can tell from 2 days of scouring the 400 page user's manual, this is some kind of damn texture cache... but I can find no way of emptying (read: clearing) it.

I took your advice and tried deleting and closing... and several textures remained (I know the "toon" textures are basic and will always be there).

Thanks both of you for the response :) I'm off to go rebuild my templates.  It's a considerably less frustrating fix (and it was so easy!  /Facepalm).