If I know I'm gonna be using dynamics... Before I start working on a pose I move to frame 20. I do all the posing work there. When I start fitting the dynamic clothing (on frame 1) if it doesn't quite fit right due to a morphed character or something I also make adjustments to the figure in frame 1. It stays at default pose, but I might shrink it a little, dial down some of the body morphs, etc. When I run the dynamic sim, I run it out to frame 30. That give me ten frames of settling around the pose I picked. If the pose is an action pose I might pick frame 20 for my final render. For less actiony, more static poses I'll stop on whatever frame looks nice.