I would think that doing shrinkwrap in blender or by hand in other apps, would be deemed "lots of handy work and skill"...and thus be ok to use for "products for their figures"?
Also..the final obj file code would be the same!  And conforming the cloth would have to be done also.
And your not copying geometery from daz figure to the dress point by point...from what I can see.
Could we see a better close up image of the wire frame in the 2nd screen capture you uploaded?
Are the vertices in the dress,in the same exact location/size as the vertices on v4?
Just wondering....I'm new to blender(3 months)...have not learned how to use the shrinkwrap modifier.