Your first misconception is that everyone will be loading a female figure. Your second and more catastropic error is telling people that they must "Zero" the figure.

I was just helping someone yesterday with a pair of dynamic pants for M4 freebies from PoserClub Japan that require a starting pose that is most definitely not Zero and that unchecking the box marked "Start from Zero Pose" was required. Also, clothing created in Virtual Fashion for Poser had it's own Non-Zero starting pose and most clothing made in that program will also require a non-zero starting position.

Finally, when setting up the simulation, you'll get more realistic looking draping if you allow at least 10 frames of draping before the actual simulation starts so that gravity can pull down the cloth in areas that you don't want to see floating.