You don't mention if the crash comes at render time or not. I suspect it does. If this is the case, PP2010 MAY help. PP2010 is not a 64 bit program. It is still 32 bit. However, the firefly renderer IS 64 bit in that version, so if you render as a separate process, you can get the advantages of extra memory. 

My own advice is to have at least 8Gigs in your machine. Since I've gone to 2012 and full 64-bit support, I've noticed that my renders can use up to about 5 gigs of memory at render time. That's telling me that the process was very crowded when it was all forced into the 2 Gig limit that the 32-bit process dictated.

As to your other issues, it is your choice whether to use Poser or not. If you decide to do so, we'll try to help. If not, Daz Studio is free. You might have better luck with that software.