ok just so I am understanding correctly, what you are saying is that when I pose my character each step of the pose is a frame?    Is that right?   

eta:  I set all of v4 for the collision target because I couldn't remember which parts the dress touched and couldn't see it with the boxes in the way.  Is that why it's taking so long to calculate?  It's only at frame 5.  lol

etaa:  
* No.  After you have finished the calculation, go back to the pose room.  Render your image from the last frame.  If you want to add more things to the scene, you can do it at the last frame too.  Don't delete the other frames because you will undo what you just did :) 

does that mean I need to move the frame slider to frame 15 and then continue to add things to the scene or to frame 30?