Making clothing that can be used for posing while being removed is EXTREMELY hard. One major problem is that for conformers if you create a morph that looks ok in the default pose with say the pants down to the knee or ankles, then try and pose the figure the hip/thigh etc groups in the clothing attempt to follow the associaated groups in the figure and quicly become a scrabled mess. I've been struggling over this for a bit now and a "universal" conforming clothing garment that can be made to look good while in the process of being removed has so far eluded me.

On the other hand if you have the patience you can get some decent effects using dynamic clothing, choreographed handleing and th morph brush. If you have a conforming outfit you want to use I suggest importing it as a welded object and run it thru the cloth room using the choreographed handling to pose it. It WILL take some effort and any number of simulations to get it close to what you want. After you get that far use the morph brush to move arround any stray areas and believe me you WILL also need to do some post work to get it looking really good.

If you model the pose your figure and model "static" clothing to suit the pose.

Then again you can always resort to posing your figure and painting the clothing on to suit (if you are that artistic... I'm not, but this seems to be a popular alternative)