I downloaded this free zombie character here from CG Trader:
https://www.cgtrader.com/free-3d-models/character/fantasy-character/zombie-school-girl-01
It comes in .fbx as well as .obj
Both versions loads fine in Daz3d and it even loads fine in Mixamo for all their animations.
However, it comes with 3 main diffuse slot textures: (one for body, one for clothes, one for hair) yet there are only 2 slots available.
Same deal when I tried it in Blender.
Before I abandoned this I just wanted to check to see if I was missing something simple.
If it's too complicated, I'll just pass and move on to something else.