Although I'm only talking to myself here, I thought I'd post the fix in case it helps someone else.
Create subfolders with each individual csv and bmp file (named exactly the same) and run POILoader on the parent folder, sending all POIs to the Garmin device at the same time. They still show up as individual databases and have the correct icon (assuming your filenames are correct). On a file by file basis, you can choose to skip it or set proximity/speed alerts if appropriate.
Lalita