Hi,
Pretty girl!
I noticed you asked two questions that nobody’s answered. I can answer one of 'em…not the specularity, but the one about subtools.
You can assign different materials to subtools in ZB3. There are directions in the Help Files, along with a tutorial, I think. All it amounts to is…make sure the top subtool in the palette is active. Click on a material, then click Fill Object (Color palette). Do the same thing for the other subtools, one by one.
I think you have to make sure MRGB is on. Once again, there’s a nice section in Help about this topic. Just do a search for ‘paint subtool.’
You also asked for tips on making hair. Ryan Kingslien (I guess he’s on this board somewhere) has wonderful little ‘hair’ movies on his Sculpt.Paint.Create site. I’ll see if I can locate the url for you and come back.
Edit: Okay, here it is. I’ve haunted this site since I discovered it. 
2nd Edit: Thanks to the person who posted the skin (mask, inflate, smooth) technique! I’m gonna try that one.
Jan