also..Poser doesn't have to be that expensive. Look in Freebies here, and elsewhere (click on the sponsor, sometimes you'll find more stuff that way).
'Conform to' is how you fit clothes onto characters. Remember that each character usually has clothes, hair, textures, morphs, etc., specific to that character. As stated previously, hair can be faked, but sometimes poses can be used (though fingers have strange directions sometimes afterwards).
Another thing to consider; if something 'pokes out' through the clothing, you can turn off 'make visible'..which will vanish that annoying cellulite while leaving the svelt curves of the clothing
You can import pictures in as backgrounds, which can save you loads of time moving props and characters (quick rule- if you want to put 2 people in a picture, move one away [I think you can grab the hip, them move along x or z, unless the feet seem nailed to the floor, that's probably more complicated than you want to get at this point..;] but if they move, they won't do something called 'crosstalk'; where a change made to one figure goes on the other figure..;)
anyway, if you do use background pics, study the lighting direction and color, and try to match it in your Poser render. I swear at..er, by it..;)

I wish I'd said that.. The Staircase Wit

anahl nathrak uth vas betude doth yel dyenvey..;)