Load figure. Go to frame whatever and pose. Set keyframe (if it's for a static shot, it's probably best to enter the anim. editor and "break spline" at this point, to avoid overshoot problems). Return to frame 1. Load clothing. Enter cloth room. Set up everything you think you'll need. But before you run the sim, SAVE!! I cannot stress this step enough. It'll save you hours of time in the long run.... Then run the sim.... (If it fails, then all you have to do is exit Poser (to free up memory), re-start Poser, load the saved file and you're ready to go.. You can change the pose (if it's causing problems). You can got straight to the cloth room (and all your settings will still be there) and alter any settings you want... Hmmm, are you sure that's the right order? I did that awhile ago and it worked well for the first simulation. However, after I finished that one I wanted to do another one with a different pose, so I created a brand new pose window, opened the presimulation .pz3 that I saved. I went to frame 30 and changed the pose to a new one. Then I went to the cloth room and ran the simulation. The simulation ended at frame 20 instead of frame 30. I have tried it 3 times even after having rebooted poser, but each time the simulation ends at frame 20 now instead of frame 30. I can drag the arrow to frame 30 to complete the pose, but the clothing doesnt fit then.

"It is good to see ourselves as others see us. Try as we may, we are never
able to know ourselves fully as we are, especially the evil side of us.
This we can do only if we are not angry with our critics but will take in good
heart whatever they might have to say." - Ghandi