I am having sooo many difficulties rigging my characters. It is slowing my 3ds Max down so much, and I believe my files may be corrupted. That is, until, I figured out where I was going wrong.

Instead of using Nurms to smooth my model, it works better to use a turbosmooth after I have rigged my model. This way, the physique works better with less polygons, then the smooth is applied after. As you can see on the top picture (middle and right), this makes a much smoother version than the one on the top right, which is terribly creased.