Poser had Wardrobe Wizard included.  Yes, you will need to purchase the V4 add on so you have V4 support but it's less than $10.

Wardrobe Wizard can add morphs to clothing for any supported figure.  There are directions on how to do this in when you launch WW.  If you run into problems, Phil's forum at PhilC.net is a good resource.  Phil himself is always ready to help and can solve most problems you may encounter.