A tool will save with an applied texture, and load with that texture applied.
Color>Fill will fill an object with polypaint color and material, which can be seen when colorize or the paintbrush icon is active.
But, if you are saving a tool with a texture (image map, not material) applied, it will load with that texture applied, and it overrides the polypaint. The texture will preview with whatever material is currently selected(red wax by default upon loading.)
To then see that polypaint, you must disable the texture in the texture palette (un-press the “texture on” button.) You will then see whatever polypaint and material you have painted onto the object.
If you want to see all that color and material information saved at the same time as polypaint, activate your texture and click “polypaint from texture” in the polypaint palette. This will transfer all the detail from the texture directly to the objects polygons as color. The mesh will need to be high enough resolution to hold the detail.
Then, with “M” (material) only pressed on the upper tray, with your desired material selected, press Color>Fill object. This then paints your mesh with that material, but leaves the color intact.
Save as tool (texture should no longer be active or needed) it will load with that polypaint and material visible. If you have custom settings for that material , it must be saved as a zproject from the file menu.