Many thanks for your help.  Morphia does indeed look interesting, although it seems that if clothes are wanted then the Morphia Magnets are also needed. 

I'll consider buying, but quite frankly I am rather fed up with the what I see as DAZ's policy of selling something that becomes a bottomless pit of more and more spending to get it to do what one expected it to do in the first place - as a 'starving artists' who bought Victoria as a substitue for live models I am reluctant to spend more money on the thing.  

It's probably back to sketching and paint-brushes for me.  I wonder if there is a market for second-hand Victoria 4.2 pro packs, PC version.