How to question: merge two figures together, save as one, with one common shared bone structure.

I want to blend a V3 conforming skeleton figure into a V3 figure, and then set up a morph target that would let me translate the skeleton out of the body (on the Z axis relative to the V3 figure) when I want to show it on the outside, but have it always follow any adjustments I make while moving V3's body parts as if the skeleton was internally conformed to the external body.

I would like to save this as a single figure so I can use it in multiple projects.

I'm new to Poser, though I have done several tutorials.

See an example here.

Thanks.