You've got the basic Poser side of things about right. It depends just what sort of morph you're doing. but in Poser 6, at least, you can use existing morphs and magnets to get the shape you want, and spawn a morph target. Vicky and the other DAZ figures has the upper body split between three groups, rCollar, Chest, and lCollar. Most morphs for that area involve all three groups, which needs some care over the boundaries and editing of the CR2 so that one dial controls all three together.