What didn't get mentioned (and ought to be obvious) is that the conforming clothing is a sort of character, So you smart-prop the rigid panel to the clothing. Another snearky trick I've seen, which should be applicable, is that a figure can be saved with the attached smart-props. I've mostly seen it with some old Poser 3 stuff (and the Poser 3/4 hair is a form of smart-prop). (After quick check) Looks like it has to be done as a .pz3 file, but that does contain all the objects. It might be possible to use the same sorts of editing as create a MAT file, but I don't know how to do that.