Ok, here is an update.  The leggings are roughly 3500 polys.  If I subdivide them again, I'm looking at the 13,500-15,000 poly range.  This would make for better dynamics, but that is a huge amount of polys, especially if used for conforming clothes.  The top, too, is currently ~3500 polys.  I'm debating using the lower poly garments for conformers, and higher poly garments for dynamics.  I made these in Hexagon, and the UV maps are really gross.  I do have MODO 202/203, so I'm looking at using that to UV map properly.  This way, I can still use the same UV maps for the lower and higher resolution meshes.  Has anyone done this, and do you have any advice?

Thanks, -Starkdog