AB,
Yes you are on the right track. Give me some time and I will get a write up on dropbox and locator files. Go to Northspace and see what Camster has to say on locator files. When you are there look around , there is a ton of info there.
http://www.northspace.co.uk/skins_using.html#locator
If you got one from SCV I would have thought they already had a locator on a server.
question......do you see the custom skin when you select it. If not you may have it loaded in the wrong place
John