Correction.....I said in my previous post.....

"so when you are rigging in an unconventional way, you can't use Poser to rig"

I meant, so when you are rigging in an unconventional way, you can't use Poser to group.

Sorry for the error.

I followed you just fine, no problem. :) Poser's automagic grouping tool is wonderous, by previous Poser standards when people were slaved to going polygon-by-polygon. But, it's not good for certain things, especially in items where you don't want the groups directly superimposed, like you said. For that sort of thing, I would just use someone else's rig for personal use. For instance, if I made a skirt, I'd just load up a well rigged skirt that I already had and transfer that rig. Poser doesn't care if it's the intended parent figure or not.

Note: In P2012 Pro, you can transfer the rig without requiring the implementation of new groups. This is useful specifically for single grouped "hip" skirt items and the like. But, it could be useful for other figures, provided the necessary groups for Poser's basic rigging logic/hierarchy are already there.

It was such a glaring error, I had to correct it.  But, thanks.  I think most understood what I meant, but I was thinking about the poor newbie who pulled this thread up on google a year from now.
It was too late to edit the original post when I saw it.