Yes, the overlaying part is true. I need to make scenes with several characters, and they need to be dressed. So overlaying is the answer.

@wespose: Who told me Poser would be easy? Smith Micro did. My fault for believing them.
Blender is my modelling program and I actually use it a lot. I may go back to it eventually for rendering and such, but not now.  I never had any intention of building a figure from scratch. Clothes and props yes, not figures. That would be insane.

Poser 11 Pro, Windows 10

Auxiliary Apps: Blender 2.79, Vue Complete 2016, Genetica 4 Pro, Gliftex 11 Pro, CorelDraw Suite X6, Comic Life 2, Project Dogwaffle Howler 8, Stitch Witch