Put rather crudely, a character file (CR2) applies various sorts of information to an object file (OBJ), the P4NudeWom.obj for example, to create a fully articulated character. The appearance of the character can be altered by applying morph targets (MTs). You can find some MTs here in the free section, they can be applied from the Object > Load Morph Target menu. You can also copy morphs directly from another CR2 file using the free utility Morph Manager, or you can make your own MTs in Poser4 by using magnets, or create them in other software such as Zbrush or Rhino and many others. To do a character like Victoria from scratch involves the creation of the mesh in a modelling application, Its beyond my level of competence.