I know that this will throw a stick in the spokes but Poser can do live dynamic clothes, just as well as many other programs can.

It takes some work, and you will have to make a collision rig for the character entirely out of convex hulls. You can do it with a conforming rig, or just parent the hulls to the character. Doing it with a rig makes it easier to save it, and easier to use it on other character of the same skeletal setup.

It is no different than doing it for many other programs.

These rigs have to be planned out accordingly as well. Since any morph the character can do may require a new collision rig or different hulls.

Lots of programs use convex hulls for collision with an engine like Bullet. Some can use concave ones as well.

MD (which I have never used) probably uses a similar setup, or uses the characters obj as a complex hull. Complex hulls simulations work fine by themselves, but if you have to do other sims at the same time you are going to need a very powerful workstation to calculate all of it at once.

Complex hull creation simulations require some rather interesting code if you want them to be on the fly. There is no one set way to create these.

Convex hull setups are a different story, and there are some extrememly well thought out algorythms for doing these. Here is one example that is about 3000 lines of code. https://code.google.com/p/hacd/ (Knowledge of C++ required to make any use of it.)

Poser can create hulls as well, but they are not always the best choice depending on how the character is grouped.

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