Hey ya’ll, this started out as me trying to get help with this issue but I stumbled upon the answer on my own… so…
If you are having trouble getting part of a texture off of your model like so…

And you can’t seem to figure out why… simply select MRGB with a Rgb Intensity of 100 and the Zsculping features OFF. like so…

You can ignore the flat color material and the fact that I chose solid white for color (i found this out later)
So now you can paint on your new material and after you should be able to change the material without painting it every time… like so.
