Maya Doll had one like that (cap+hair), as I remember. Try Studio Maya..don't know if it's what you're looking for, but most of it's free. I think there's a beret in the default props of Poser (4 at least..;) If you just increase the size of the cap, it can hide a multitude of sins..;)

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

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