So I load up my ghoul2 model in noesis and make it a .obj, then I import it into xsi modtools. I can get the textures to display correctly in xsi mod tool but no matter what I do, I can't get them to export with cross walk without unchecking "used textures only" (that ruins meshex usage.) I will post video later if it is desired

You must not be applying the textures correctly, then. Refer to the topics on texturing in the various stickied threads.

Perhaps tell us what you are doing to apply the textures in XSI?