How to create your own Character in poser?  To complely create you own character in poser or daz, I don't believe that is possible.  What you can do is take one of the character's that come with the programs like victoria 4 and alter it with magnets, morphs, etc as well as the dials that is built into the character to virtually get any effect you want.  You will have to use a program like blender to create the obj, then use poser to rig it.  As to accessing the skin, you go into runtime, libraries, textures, daz people and you will find the texture for Victoria or any other daz character.   Using a graphic sofware like corel or gimp and alter it to what you want.  Remember you are working with someone elses copywrited artwork, so just use it to abtain a map and use your own textures to make it yours.  If you want to create the skin for scratch, you will have to use a program like uvmaper and make a template.  The same with clothing.