Carrara can bone/rig but it can't be used in DS or Poser. If you used Poser4 to rig, you can then use that in DS, Poser and Carrara.

Daz's Dynamic cloth plugin is a SOON thing, so who knows what year and Daz has said that the DS plug will be first then the one for Carrara, though that might have changed. The plug won't be able to use Poser cloths, which seems a bit wierd because Poser Dynamic cloth is just an .obj. Also from what Daz has said, you will have to buy the Dynamic cloth creation plug if you want to make your own.

So you can wait for whenever Daz gets around to a limited plug or upgrade to a newer version of Poser. I would suggest P6 at the least P7 if you can afford it. The cloth room is better than P5. You will have to decide for yourself which is better for you.

To Daz or not, that is the question.