Ok to your answer your 2-part question:
1 Here is a tutorial
https://www.youtube.com/watch?v=qxbDluo33BIfor watermarking mesh using Max. This is what i do using a low poly font. Shrink tiny enough to fit in the middle of avi head. Doesn't need be fancy. Attach to Head node and use same material ID that is used for the baby hair that way it's not evident there is another part to the entire mesh. And will need to attach to hair mesh.
2 Baby Hair Mesh
Clone Head
Remove unwanted polys
Push Modifier
Unwrap
Skin to Head
Export
There's plenty of tutorials on the texturing of babyhair.