Oh now i know why i did not see the texture....
The easy way is to right click the character once you place them in the editor then change the texture in its properties.
Another way is to make a backup of the original texture and place it in another folder.
Now put your new texture in the same place the original used to be and name it the same thing the original was named.
You need to have it in a DDS or TGA format to work.
( FPSC will look for a TGA if the DDS is not there.)
It doesn't matter which format you use as long as the file name is the same.
This way you do not have to edit the characters FPE file, which is another way to do this.