Ahh, by the way, some terminology.
.POF files are the model files used by FS ships, they include the model itself as well as stuff like turret FOF (Fields Of Fire), levels of detail, subsystem info, etc.
.COB files are 3D files from Truespace. Truespace isn't exactly a good program, but we're stuck using it as an intermediary program, if you're using a more powerful 3D design program (such as Lightwave, 3D Studios MAX, etc)
.TBL files are game data files, and have all the statistics for ships, weapons, sounds, etc. A lot of people start off with .tbl editing, screwing around, making new weapons, improved versions of existing ships, etc.