Check that in the first frame, NONE of the cloth is touching V4.2

most of these explosions you describe come from the cloth touching the figure in frame 1.
The cloth must be around the figure, not touching, and certanilly not intersecting.
leave figure at zero pose for a few frames, and only then start the move towards a pose.

Generally I load a figure at 90-95% size.
Load the cloth
Put the cloth around the figure but not touching.
Make fram 10 a keyframe and let your figure "grow" in neutral pose to 100%. lET THE GROWING FIGURE PUSH THE CLOTH AROUND IT TO FIT;

Make frame 30 a keyframe and put your pose in frame 30.

Brief explanation  hope I did not miss something.
EXPERIMENT and read all posts for dynamic clothing. Some real good tips there.

Poser 1, 2, 3, 4, 5, 7, P8 and PPro2010, P9 and PP2012, P10 and PP2014 Game Dev
"Do not drive faster then your angel can fly"!