Smoothing in Poser will increase the size of a figure at render time.

Subdividing will shrink !!!! an object !!!!
=> Result is poking.

If the poking is even, U can use a displacement map to overcome it.

It the poking is uneven or "hard", you will have to increase the size of the clothing object to fit over the figure at render time.

For dynamcs? Increase the collision depth @ offset.