Not sure about the cost thing, but it is easier to make Dynamic cloth. Have a look at Cloth Primitives in my freestuff. Saying it's easier is maybe a bit misleading, it is easier to make a simple item, like a skirt or a t shirt for example. But making a more detailed model is trickier, mostly because the higher res the mesh is, the longer it takes to simulate in the cloth room. If you want to make your own clothes my advice would be to start with dynamic. make your mesh, import it in and see how it works in the Cloth room. You can always use the same mesh to have a go at conforming clothing afterwards. John.

Fugazi (without the aid of a safety net)

https://www.facebook.com/Fugazi3D