Don't despair, whatever you do. :) I've had DAZ for a week and Poser for 4 days now and I'm starting to feel like someday I may actually be able to do some creative work with them. So far it's been nothing but fighting the software (or rather my ignorance of it) but today I actually started understanding what is going on, and started getting some decent renders with imported content from several different sources.

And for what it's worth, I discovered you can create a folder named "runtime" anywhere you want, even on an external USB drive (as long as it's plugged in when you run Poser) and then link that folder into your library by clicking on the little folder icon with the plus sign (the tool tip says "Add Library"). So you don't need to put content any place special, you just have to tell Poser where you put it. I keep mine in a folder in "My Documents" called "PoserContent\Runtime". To tell Poser where it is, I add "PoserContent" as the folder, not "runtime". You need to add to library the folder that contains "runtime".