starting with the last question: you can attach one file (image) per post so the above would have been fours posts then.

the other questions in general: I've got a shipload of tuts on hair and cloth dynamics on my website www.book.artbeeweb.nl. For the moment, use the !Download Fix! menu to reel the files in, as the sites download manager itself seems to be broken and sends files in a corrupted way. Sorry, will be fixed once.

in short:

Panel 1: Cloth Room can handle one or more sims (although recalc all cloth sims is in the Poser Render menu :) ).
Panel 2: Each sim consists of one or more clothified objects, each of them must be single sided well welded internally (preferrably). You can have a shirt and a layered ballroom dress in one sim, you can have two girls with interacting ballroom dresses in one sim too.
Panel 3: Also, each single object in the sim can consist of one or more dynamic groups; usually the various material groups make good separate cloth groups as different materials are made of different stuff. 
Panel 4: Each dynamic cloth group can have its own parameters, to make leather and lace in one piece of cloth.

The sim then runs the rest. You have to avoid poke-through, and you have to realize that the simulator thinks "real time", so when a move for some clothing requires 5 sec in reality, don't try to get Poser doing it in 5 frames (=1/6th of a second) because it will rip the cloth apart, given applied forces.

- - - - - 

Usually I'm wrong. But to be effective and efficient, I don't need to be correct or accurate.

visit www.aRtBeeWeb.nl (works) or Missing Manuals (tutorials & reviews) - both need an update though