A small correction to my previous post:  the section on hair and clothes in the Poser 6 manual begins on page 184 (though the page numbering in Adobe Reader says 198 on the bottom).  You can also easily find the correct reference by using the "search" function or looking in the index.

Clothing comes in two types:  dynamic and conforming.  Conforming clothing works as follows:

1.  Load the figure you want into your scene from the library palette.
2.  Pose your figure how you want.
3.  Load the clothing into the scene.
4.  Make sure that you have the piece of clothing selected.  Then go to the menu at the top of
     the screen, select "Figure" and, in the drop-down menu that appears, select "conform to."
     In the pop-up menu that appears, select your figure.  The clothing should drape itself over
     the character's body.

Dynamic clothing works differently and is more complicated.  There are also different types of hair.  This is why people are pointing you towards the various tutorials -- there are simply too many things to worry about to walk you through every case.  I think that everyone finds Poser to be confusing and frustrating at first.  Once you put in the effort to learn how to use the program at a basic level, though, the rewards are enormous.  
   Keep at it and take advantage of the wealth of resources that are out there!  It won't be too long before you are up and running.