Actually you can have multiple parts of a model and different texture groups in Pcreator, example you import clouds head in 2 parts(his hair and his face)first you would import the face then the hair, you would select the face from the drop down menu then go file and set texture group, and make that number 0, which would be "rtac".
Then select the hair and set it's texture group to 1 "rtad".
That way when you export the .p file it exports the merged objects as one, but it has separate material files "rtac" and "rtad".
The easiest solution to your problem (if your good in max) would be to simply take both texture files and merge them together, then go into max and redo the UV maps so everything fits, then you can run everything through Pcreator once, and you should be set.
It's after midnight at time of writing but I'm positive this should fix your problem, that and I work all week now so I'll only be on the forums on the weekends very shortly. Hope this helps.