Hi Chris,
The problem is that each model can only have one texture applied to them. There are 2 ways to handle models with complicated textures:
Use one image to contain the texture. A good example is Animate3D in the EDGELIB samples folder. The texture image contains pictures for the turtle shell, eyes, legs, etc. This is the recommended method and is used in most 3D games.
Another method is to use 2 models. For example, one for the body and one for the face.