I've been using this tool more and more in Poser 7 and PP2010 - the approach I use is dialling clothing in till there's all sorts of poke-through. Then, as you are trying to do, I try to pull the clothing through the skin just ewnough to cover it.

The key is this: I make sure to start the effort with my coloured halo well over the part of the material that is actually showing, and not on the skin area, then drag that halo into the area of skin slowly, pulling material through - this is painful to describe, rather easy to do - all the while holding down the shift key. Never let go of the shift key - that's the trick, that, and moving slowly - and start with focusing on material that is already showing through. Also, I set my numbers really low for Pull: .01 to .03, tops... that way, I don't have much effect on material that is already showing.

Every now and then, if I do start with the focus of the coloured halo (for lack of a better term) on skin, it jumps to the character instead of the clothing item, and I have to re-select the clothing, but it doesn't seem to happen much, anymore.

Monterey/Mint21.x/Win10 - Blender3.x - PP11.3(cm) - Musescore3.6.2

Wir sind gewohnt, daß die Menschen verhöhnen was sie nicht verstehen
[it is clear that humans have contempt for that which they do not understand] 

Metaphor of Chooks