I'm inclined to believe that Penumbra is more for someone that knows what they are doing and I know just enough to be dangerous.
I'll give your suggestions a try. I need to experiment a bit more before throwing my hands in the air. I really want this to work. Believe me.
Thanks for all you help.

Textools has created what one could only reasonably call "a bunch of really fucked up shit" between poor design decisions, poor handling of those decisions, and some absolutely terrible lack of validation for mod packagers, which then makes everything worse.

Penumbra aims to not put up with that because it leads to bad practices and very terrible issues to debug, like the material conversion issue noted above. (This wouldn't be a problem if the mod maker wasn't allowed to specify arbitrary material files that don't otherwise exist in the game data and then hardcoding their mods to use them while other base body/skin competing mods use their own material files wth another different name.)

In textools, it might just explode. Or worse, make incorrect assumptions, or even worse, just overwrite any data it doesn't like anyways because it doesn't care about anything being done correctly if it can just smash through it. And then people wonder how and why they get a shiba inu minion picture instead of their minimap when their index files have been so mangled that it's a wonder the game even runs.

Just to let you know@Ottermandias That your suggestion to convert the Material worked perfectly. No weird skin issues so far :)
and@reiichi001 Looks like I'll be sticking with Penumbra. it makes it really nice to be able to enable an unable a mod on the fly. Don't want to be streaming and have some TOS clothing mod come up on my stream ;)
Thank you both for all your help. <3

Just want to say one more thing before I put this to rest... I hate you guys (not really ) for making me a believer in Penumbra.
It's so convenient to have mods turned off and turn them on when needed and also if a mod has multiple options, just select the ones that I want without being committed to the ones installed through TextTools. With that other program, that won't be mentioned again, I had exit FFXIV rerun the install mod option and select different options. Now I don't have to :)
I ramble. Hope what I wrote makes sense.
I can't thank you enough for all your help.
Until I pester you again.
<3 Arna