There are some really good tutorials for creating conforming clothes on Renderosity and on 3D Commune. I use UV Mapper to map the polygons to the bones in the .cr2 for the figure, Morph Manager to remove the morph channels from the body parts and then edit the .cr2 in Wordpad to remove any extra code (Morph Manager doesn't seem to do this completely). I'm sure it would be easier with Poser, but finances don't allow that right now. :)