Thank you pjz99, thats very informative. The concept I'm working on is essentially a "bodysuit or wetsuit" as a base that is srink wrapped (actually the inverse) to the body for accurate fit. By getting the mesh right and fitting with cloth density set to zero (.0001). Then posing with all or nearly all vertices constrained. By using a combination of transparency  and displacement maps I'm getting good results for swimsuit type applications. I have not tried other clothing type items as of yet. Your comment regarding armpits is something I will have to check out. I have all other areas including the buttock area worked out. What I find promising in all this is that you get a perfect fit if you do it right. I have never been satisfied with conforming clothing.