well if you have realsoft it is simple. just right click and go to OBJECT PROPERTIES, once inside the menu go to "COL" then at the bottom of the menu there shall be a box to put the texture file names into. It is very easy. There are also tools to manipulate the texture. You are gonna have to make this texture in photoshop, im not even good enough yet to 3d paint in realsoft (very hard!). You can also set surface effects. Etc. If you look at my latest lamborghnini (uploaded tonight, rendering now) you shall see some texture mapping used there on the body work.
If you have any problems my email is:
thegreatgeek@hotmail.com
i also have msn messenger if you want to talk to me about it. Hope that helped.
oh yeah and SUBJECT i have only used 3dsmax on one of my works, i think it was the one in the ecstacy series (im gonna carry on with it, ive just had exams). I dont like it so much, prefer lightwave and realsoft.