Here is what I have found out. I bought Poser because I saw people here using it. I looks great for posing the built in charecters, but for making your own skeletons it is needlessly complicated. After you draw and place bones you have to set fall off zones, and rotation orders and a bunch of crap. No matter what I try my mesh rips apart.
On the other hand, yesterday I was cleaning off my computer and was about to trash an old demo version of Carrara Studio 2. I had never tried the bones in that program. I imported a Zbrush model (fully textured) and added bones. Carrara automatically attached the skelleton and I could pose my model easily with only very minor adjustments.
If the next version of Zbrush does not have bones or some way to pose models I am going to switch to Carrara 3 for my main layout and rendering program. I will still use Z to texture and build organic models but it’s not worth the trouble to do everything in Zbrush itself.
Shaun