After several more PM exchanges with OhWee today, I've discovered the following things:
1. Shaders vs Material Textures don't work in DAZ Studio the same way they work in the Flight and Racing Simulators I've been using for 30 years. Now I know how to use shaders in DAZ. Duh!
2. I've never really understood how to do Camera settings with DOF. New thing #2 I learned today. Duh - Duh!!
3. I'm thoroughly embarrassed it took me a year to understand those things.
In any case, OhWee (again) taught me what I didn't understand in those areas. But now D is hiding in her room and refusing to talk to me after some of the shaders I tried applying to her tonight. Sad. So, so sad.
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(Thanks again to OhWee for broadening my DAZ horizons)