I'd be tres impressed if you get this to work without the SDK. I don't want to be discouraging or anything but how are you going to convert the model to Ghoul? It needs to be in a .glm format and needs to be at least based on the default skeleton that JO models currently use not to mention using compatible tags and animations etc. To my knowledge, there are no export filters that will let you do this yet.
If you do it and it works then please, please, please share your knowledge because it would be great to kick start the modelling community for JO and start getting some decent user models out there.