PLEASE PLEASE keep in mind that what one program calls displacement, and shrink wrap, are totally different.

 

I believe that in one program, shrink wrap would actually match the "bag" to the same verts/faces as the underlying figure, basically copying the mesh. Is that correct?

Last I knew, using shrink wrap, or smoothing in Daz, was allowed, because it does not actually copy the geometry, but pulls the existing "bag" or item into collision fit.  

 

Far as I'm aware, using the second kind of shrink wrap was always okay. I think there needs to be a clear definition of terms and meanings as well as an outline of what is allowed or not.