You got it monkeycloud, I do the same thing... all options unticked. works like a charm and makes things a hell of alot easier in poser.

I've never encountered any mat zone problems using this approach. I think people tend to forget that the only difference between a figure and a prop is body part groups and rig... as if it's some magical thing.

 

...Sometimes will save the final morphing of various things for the "furniture" as all body parts are welded at this point and you don't have to deal with the sundry headaches of a "living" figure. Clothes too.