Here is a capture of an animation with hmann's dynamic clothes some 50 frames in. I think I ran into your problem once. You have pz3 files have some bad paths in them. Use wordpad to open the file and edit it. Paths can have two formats either:

:Runtime:Geometries:HMann-Creations:Lacey-Skirt-V3.obj
or
C:Documents And SettingsDougfMy DocumentsSoftwareDataRuntimeGeometrieshairkoz_long_evo.obj

You must change all the entries to match the first style and that probably will clear up the loading problem.