I jut had same problem last evening with my own DC.  I discovered that although in zero pose, the cloth covers the figure, when in the final simulation pose, the knees break through.

Of course I had used the Collide Against options, so that shouldn't have happened.

Then I went back to the zero pose, deleted all the simulations, and adjusted the x-y-z scaling of the DC to be slightly larger fit over the figure, ran all the simulations again, and no more poke-through.

 

 

Eternal Hobbyist