So are we all...so much to know so little time.
An MTL file can be opened with Notepad or Wordpad. You can see the order of your texture files as they're listed there. Keeping spacing the same, you can move these sections around and line up the first 16 to matter to you. For example, if I have a male character that is wearing a leather jacket and pants, I don't care about his torso since its covered. Anything having to do with arms, legs, torso (covered up) can go to the bottom of my file. Next, I'll make sure the leather jacket textures and the leather pants textures are at the top; in this case, we need to worry about the first 16 textures until this is fixed by Planetside's programmers. Line up those 16 textures to what you want to see.
Now, after this, making sure you haven't decimated the general order of the MTL file (I'm sure I could), go to the multishader tab of the object. Opening the multishader, go to each of the attached shaders and reselect each one to match the order of your MTL file. If you have BUMP maps, place these in the dispacement section of your shader and change its value to .01 to .05, depending on how it helps you.
Good luck. The more you do, the more you'll learn.