While you're at PhilC's site, check out Clothing Designer which is designed to make it easy to, er, design clothes within Poser without knowing modelling. The downside is some loss of flexibility, since there's no way Phil can foresee everything you might want to do and build it in from the outset. DAZ|Studio can use Poser figures, and currently it can't do rigging or dynamic cloth simulation; so you'd want to concentrate your efforts on Poser, I think.