Penguinisto is right.  See,  for clothes,  subdividing a primitive and shrink wrapping it to a Poser figure  won't work for animation.  You'll get all kinds of unwanted deformation.  This is where edgelooping comes into play.  Edgelooping allows the polys to fan in and out during movement,  kind of like an oriental hand fan.

Edgelooping is also unique to each modeler,  making your work easily identifiable.

BTW edgelooping should be used for dynamic clothing,  too.