Sorry for the noob question, but...

So I've downloaded a few free figures with clothing and I think they come with poses, I can;t find in the Poser manual how to actually pull this info up as a grouping... I've copied over all the directories to the "runtime" are (i.e. libraries, textures ...etc)... I can navigate using "open" to pull up the .obj files and display the bare figures...

Is there a way to pull up the person clothed, or do I need to dress them separately and then save them to the library? Is there anyway to access the new stuff from the library side panel palette? 

Thanks,

Vanz