I think I'm going to try out PhilC's 'cheat' way for now!  Hopefully I'll be able to figure it out and not be throwing money into the wind again!

 

This all brought up another question for me though, PhilC's or the tutorials I watched listed here, don't really address creating the morphs for clothing so if someone were to give V4 (or whatever character) a bigger chest, the clothing I create won't morph with it with PhilC's thing... is there a tool out there that helps create the morphs?  Or can someone point me in the direction of some helpful tutorials on that as well?

 

TIA!