I decided on avatar.blend, even though it's a bit more work, it does seem to contain most of the necessary components to get started.
Problems encountered:
missing mFootLeft, mFootRight
missing mWristLeft, mWristRight (sporadic, bug)
I currently run Vista @ 64bit making at least one add-on/plug-in unusable: currently.
I have no idea how to convert an xml file for export: (see above 64bit issue) my AV from SL to blender. So I have managed to created a base SL model with which to base my objects/clothing.
I am currently using, blender, zbrush, maya, photoshop. (the workflow has been a nightmare *laughs)
Uploading unattached meshes with custom maps has been simple compared to uploading rigged AV's/Clothing/Objects.
I decided on the Jass blender with the correct Collada 1.4 to make my life easier but I am keeping an eye on the development of the new Blender and workarounds.
I hope this helps others.