Attached Link: http://www.morphography.uk.vu/pz2stripping.html

Painted on underwear? No problem. Make a copy of the texture you'll be using and paint on it. Note that Poser reloads the texture when you render, so don't worry if the preview doesn't get updated. As for the partial poses, you can do it with a text editor if you're careful. Follow my tutorial at the link.