Thank you, piersf.

The pants and shirt were done separately, and I've tried doing shirt first and pants first. The results are actually a bit different, but neither acceptable.

I will try increasing the number of frames.

 

Thank you, aRtBee.

The wrinkles in the pants were created by clothifying the pants first. I thought that including the pants in the Collisions would take care of that.

Your descriptions of collision offset and simulation "speed" were very helpful. The "real-life" explanations are much easier for me to work with.

Off I go now. I believe I have some work to do..