Thanks for the tips Rorr an Primorge.

I have Photoshop CS5 Ext, and ironically just got Filter Forge 3 today (been sitting here falling in love with it, does way more than I realized).

Still reading through the Poser 6 manual, plus Poser 6 Revealed and Practical Poser 6 (two other books I bought back when I originally got Poser 6) and learning more about how the lighting effects and material nodes work.  Making progress with it.

I think the image linked eariler, Chieftain's Daughter by Mel is pretty close to what I'd like to eventually be able to do.  Just have to develop my technical skill level.