If you do need to use .x instead of B3D (as I do sometines), for ease of use/great texturing try Metasequia:
http://www21.ocn.ne.jp/~mizno/main_e.html
- v2.1 saves as .X and is free.
http://www21.ocn.ne.jp/~mizno/main_e.html
- v2.1 saves as .X and is free.