Character creations?

I was wondering if any of you could shed light on how I could make my own 'skin' for V4? Basically, I want to make a Drakkin, but despite the various Dragon type textures Ive seen, none of them comes close to the EQ Drakkin.

So being the perfectionist that I am, I want to make one :)

My basic understanding is that I could buy a merchant resource skin/texture, open it up in photoshop or whatever, and paint on the tattoo's and make-ups etc, then save it somehow to have it work in DAZ or Poser. This assuming I am using it only for my personal use, not to sell. Is this correct?

Another idea is to form a collaboration of such with one of you experienced people to make a Drakkin-like (obviously I cannot call it that because of copyright :) ) character for selling, (cos I bet there are others out there who wish there were drakkin like characters for V4 out there). Preferably someone with the patience to teach me and show me how to do it for next time. In return for the teaching and a finished copy for myself, I'm willing to forgo my share of the profits from selling it. I'm far more interested in having the product I want, the way I want, than making money from it.

Any input would be greatly appreciated :)