I don't think that it would be possible. The mat files act on the figure (or parented prop) and not the object itself so you won't be able to edit them directly with a mat file....of course I could be wrong.

You can use a pose file to reference the new object and apply textures but you would still need to use Objaction Mover or the encoder at PoserPros to encode the mesh.

Example here

This is more or less useful if you can't redistribute the CR2 pointing to the new mesh. For example the Mil Figures. All your customer would need to do is decode the obj, load up the figure into a scene and use the pose file to make that figure use your obj as well as have the textures loaded for it.

Lourdes