Hmm...thanks.  It's definitely not the kinematics.  And reverse posing or reposing didn't break the lock.  And yes, I've run into that cross-talk before...and usually deleting the offending clothing item would unlock the character...but this booger didn't unlock for nothing.  In fact, the finger lock thing is peculiar since the clothing didn't even have finger gones or associated parts.  So I'm not real confident that cross talk is the problem either.   As I said, usually deleting the problem child clothing fixes that issue...and it didn't work at all.  The character eventually just had to be discarded and replaced.