Are you doing this specifically for an animation or just to get the cloth draped properly? The reason I ask is because you said...
 
" I put my V4 in default position.  Set key frame 1.  Put my V4 into her final pose - and set keyframe 30. "
 
If you are just doing this for a still image, you don't really need to "animate" at all. - In your Simulation settings, set the following...

In the Simulation Range, set "Start Frame" to 1 and "End Frame" also to 1.

Then in Cloth Draping' set "Drape Frames" to 30. 

OK this to close the Simulation Settings window, then Go to "Collide Against" and name the figures/body parts etc that are necessary. Be sure  "Start Drape From Zero Pose" is ticked.

You don't really need to pose your figure in the default pose, Just give it the pose you want right there on Frame 1. And the hit the Calculate Simulation button. Poser should do the rest :)

Hey! His nose is dry! ... Someone should lick it,  just in case. - Diego