Clothes in Poser 4 are just figures like the female figure. They have matching body parts and joint parameters as the figure they are intended for. When you select Conform, the clothes will try and match the postion and rotation of the host figure's joints. The clothes can be loaded seperately and displayed with no figure (since they are figures themselves). Yes you can attach a generic harness to a figure then apply a "pack" to that. whether the harness is a prop attached as a child to a body aprt or a figure depends on how well each scheme works. The simplest approach is to attach the harness as a prop. This however causes problems since props don't conform very well.