You're Welcome. DBO's are really easy to save... and having a text file with the NPC info etc etc and the filename for the DBO's (or mesh + texture file names) are all possibilities.
Making a DBO I am pretty sure is as easy as
save object "myobject.dbo",MyObjectID and I THINK the texture will go with it.
The TROUBLE IS... (depending on your point of view) is if you load objects multiple times - the textures might come in separate each time chowing ram unneccessarily. Where instancing a loaded DBO object wont, nor will loading a mesh, and loading a texture separate and applying said to text to as many mesh as you like.
Note instanced objects behave slightly diff3erent than cloned (which are copies made in mem - clones save time loading from disk again - but are more efficient than loading two of the same object from disk)
sounds like you have some good ideas brewing...
--Jason