Thanks for replying. Unfortunately, the files that skinstudio excepts are "standard" TGA files which are compressed. I have tried "compressed", "uncompressed", 32 bit, and 24 bit. I even tried the autodetect feature of the latest paint.net. It appears there are other attributes for a TGA file that Paint.net doesnt account for yet.
In regards to the png files I attached above, the original TGA files DO match perfectly; as, they were created at the same time by the same person. However, if I try to save the top picture (which is the one I want to alter), it unfortunately changes the format of the file to out-of-spec expected by Skinstudio; or when saving via PNG, they just simply look different after saving.
Bottom line is these are standard file formats designed to be lossless; which, means the pictures will not be degraded with each generation of saving a file; basically, they should look exactly the same; even when switch from one lossless format to another. Bottom line is that Photoshop AND supposedly Gimp saves TGA's in a way that SkinStudio understands and Paint.net doesnt.
It's possible it has something to do with the transparency in the images.