it's scaling by cursor that keeps everything in the relative place.  when you import V4 (or whoever) into the scene, she'll be centered either at 0,0,0 or wherever you exported her from (if you exported her from Poser rather than used her source obj).  so putting the cursor there and scaling from there makes sure that everything stays where it's supposed to.  if you just  scale about midpoint or some of your other choices, your clothing will scale about its middle and will be high above the head of that unscaled V4 (which i never use). you'll have to bring it down to fit, and that's no fun.