In 2006, right after Poser5 was released introducing dynamic clothing I wrote this little tutorial.

http://www.renderosity.com/mod/forumpro/showthread.php?message_id=2854479&ebot_calc_page#message_2854479

The trick with all this is that you do not have to model so close and carefull.

Let Poser do the hard work of "pushing" the cloth into place.

Take it one step further.
Model a simple Low Res thing. (as in the example above)

Let Poser do the intial "pushing into shape" during a Simulation where you MAINTAIN your figure in the standard "T" pose.

You know have a Low Resolution but fitting clothing item.

Export that Simmed cloth, and fine tune it in your modeling app.
Add the detail, subdevide and save a high res version.

Then import the detailed High Res version back into Poser, knowing that it will fit your figure pretty well, and run a second sim to your final pose.
For this final Sim you can scale your figure down X and Z to 95% as there will be very little final pushing to do.

Happy experimenting
Tony

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"!