You're correct about needing a simulation when you change the pose. There is no way around this. Using dynamic cloth asks for a slightly different workflow: get the pose exactly as you want with a nude character, and only then add the dynamic cloth and calculate the simulation. Not a bad workflow when using conforming cloth either. Especially when a scene is already pretty loaded, a fully clothed character slows down the preview window. The only exception to this are shoes. You'll have to have the character wear shoes if you want to be able to place the feet just right. Doesn't matter whether you use conforming or dynamic or no clothes at all for the rest of the character.

The pen is mightier than the sword. But if you literally want to have some impact, use a typewriter

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