I figured it out...there is a nice tutorial by Yanelis3d for free that explains this problem (just found via googling for an answer, while testing options).  Basically, I needed to spawn a chest and abdomen prop, and then export those as OBJ's, and load them as Morph targets to the respective Chest and Abdomen actors of the figure.

http://www.yanelis3d.net/store/index.php?act=viewProd&productId=44

I'll look into that above...maybe I am doing it the hard way