A few months ago there was a thread with many cloth sim experimental results posted. Some noted that the simple geometry I was using to demonstrate various things was not appropriate. So take this with a grain of salt as needed:

The Poser cloth room can almost always create poke through, no matter what you do to the settings. If somebody shows you settings that avoided a poke through, that just means that the settings have some impact. They do not have decisive, conclusive, always predictable impact. Just some impact.

Like if somebody punches your head, sometimes you'll pass out and sometimes you'll just say ow and hit them back. It depends on the force and the angle and the location.

Somebody may tell you "move your head to the right". In some cases, that will maintain consciousness, but in others your movement to the right will be the reason you go to sleep.

Similarly, I found situations where raising/lowering a value would get rid of a poke through in one place, but create a poke through in another place. Which means there is no "correct" value for the settings.

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Renderosity forum reply notifications are wonky. If I read a follow-up in a thread, but I don't myself reply, then notifications no longer happen AT ALL on that thread. So if I seem to be ignoring a question, that's why. (Updated September 23, 2019)