Ahh. If your only going to work the skins export the .tga
Them use Gimp or the free Photoshop CS2 posted here at SubSim.
(I highly suggest you grap a copy of that!)
http://www.subsim.com/radioroom/showthread.php?t=201285
Download and install. It works fine on this Win 7 system I travel with so ignore the warnings.
Edit that (the tga file) and use S3D to import it.
The verts stuff only applies if your doing an adjustment to the 3D model of anything.
Verts are the 'dots' you'd see in a 3D program that changes the shape of the object you are working on.
Now watch me juggle these Chain Saws while blind drunk.
See? I told you I was a Clown!