This is where forums get frustrating!  I've been working with dynamic cloth simulations since P6, and I use them far more than I use conforming clothing.  (Of course you couldn't know that, given that you don't know me.  I'm not being testy here, just illustrating how difficult it can be to communicate through a computer.)  In order to minimize problems with cloth simulations, figures must begin in the classic "zero" pose at the outset.  I usually set the final pose in frame 15 of a 30 frame simulation, add the cloth prop, drape for a few frames, then simulate for 30.

Now, the image above, that shows the girl with her hand on her hip, had NO issues with offending polygons protruding through the cloth mesh.  If you scroll back earlier, I posted an image of a girl sketching on a bed.  THAT image shows the polygon problem, and that's the one SmithMicro's experts told me had the figure poking through the cloth in frame one.  I can't see the offending "poke through," but in the image of the girl with her hand on her hip, she wasn't completely covered until frame 24.

I'm puzzled by the claim that any of the figure's polygons that intersect with the cloth mesh at frame one will result in the cloth polygon on cloth polygon problem that Grappo illustrated at the outset of this thread.  I used the image of the girl with her hand on her hip to demonstrate that if breast polygons are intersecting (sticking through) the cloth mesh in frame one, Poser Pro 2010 (and even P6!) will calculate and compensate for that.  So, to claim that figure polygons intersecting with cloth polygons creates the problem that Grappo outlined makes no sense to me.