There is a lot of good free stuff out there, all it costs you is the time to download it. The usual terms for the two sorts of clothing are "conforming" and "dynamic". Conforming clothing is pretty specific to a figure, and is itself a figure. Like a figure, it has a "bone" structure defining how it bends, and the structure of the clothes matches the figure. Dynamic clothing (and dynamic hair) came in with Poser 5, and uses a simulation of cloth to match it to the figure's position. There's much less need to match the figure. Dynamic hair uses the same core principles of simulation how hair moves and drapes. Poser 4 and Poser 5 have useful amounts of conforming clothing for the Poser figures. There's a lot of free stuff available for the Daz figures, Mike and Vicky, but there have been three versions. The first two versions can use the same clothes. The third generation needs new stuff to fit. Don't panic if feet don't appear to fit boots. It's a common thing to have to turn the feet invisible, and it sometimes needs to be done for other body parts. The others have covered the basics of fitting a conforming item to a figure. Most hair is a form of smart-prop, pre-attached to a body part in the right place. A lot of the good stuff uses transparency maps, so it doesn't show very well until you render a scene. Gerald Day has produced a lot of good 3D props, scenes, and simple hair. Go to http://fast3d.actionbabecentral.com/ and start downloading. His rooms are good, especially his photo studio. little_dragon's Furrette 2 is available here on Renderosity, very different from Mike or Vicky, but you have figures and clothes, and potential for a lot of fun. Check the Free Archive at Doz 3D. There's a lot of good stuff there, as well as things which seem a little pointless. And even if you don't download anything, even if you stick with out-of-the-box Poser items, there's a lot you can do with different textures, transparency maps, and clever tricks of all sorts. Ask geep about some of the tricks.