oh, i knew both of those facts (low res V4 in recent D|S, subdivided for use in Poser).  but i don't want to install the new D|S and all its content.  i don't think i can do reverse subdiv.  besides, i'm not that concerned about V4.  i make stuff for V4, and it's automatically unimportant because i'm one of hundreds if not thousands.  it's fun, but if i hit a wall, it's no big deal.  if i make stuff for another figure, and i should figure out how to do it right because there are probably people who could benefit from what i've done.  lower res object means i can up quality on the cloth sim without crippling my machine.