"Why is it THAT hard to create a program with a reasonably intelligent, clear interface which simply allows me to create a clothing template which matches the character I have made? " I am working on it, it will take some time to be ready. The biggest problems with current clothes are: 1) Excessive and unnecessary great number of polygons. 2) Don't pose correctly. Real clothes only bend with little deformation and the bending points are not the same in number and in position as the figure body, (different bone structure). So you need to comform a figure with one bone structure to an other figure with different bone structure. I don't know if this can be done in Poser or it needs another pose software. Many research to be done yet.......

Stupidity also evolves!