"Not exactly. It's because 50% gray means 1/2 displacement in Poser. It does not mean that in other apps. It's not a tuning thing. It's what I linked to in 5 other threads above.

You must subtract .5 from the displacement map in order to cause the value .5 to mean no displacement.

Then gray does not puff up anything."

im aware of that:  which is why this should be dealt with your "displacement map nodes/strength settings in poser".

using displacement maps to represent muscles is not the most effective thing to do. theyre much better handled with JCMs and morphs. if someone is going all out and even doing muscle striations/veins/etc then it still should only be surface detail and shouldnt really affect pokethrough. 

dont get me wrong, masking displacement is a great thing to know how to do - however my post was intended to point out that if you are having to mask a figure's displacement maps to prevent pokethrough on clothing then you should be looking at your displacement nodes/settings before you try to correct something with masks.*