Hi Sloan
Actually I owe you an apology and I'm not to big to admit it. I've been in touch with DAZ directly and you are right. They allow their models in almost any commercial use except 3D games because somebody can rip out the *.x file and take it into a 3D modelling program and steal the model by converting it back to *.obj or 3DS.
Anyway I've since discovered 3DS Max (took a week to download which is why it's taken me so long) and got totally hooked on that program and busy trying to make my own models now using some open source 3DS characters as the base.
Once again I apologise, you were quite right.
m0ng00se