I have VF and it is a very good program for beginers (Like me). I have made several things with it at this point, it can even do mesh/transparent materials..

The only problem that I and some others have had is that some times you have to make the clothing a bit baggier than I would like in order for it to be able to be brought into poser.

This can be dealt with by doing a rescale of the figure during the cloth sim.

 

Good luck

Madcap23