If the figure fits inside the toga already morphed, then don't worry about it. If the morphs cause the figure to poke through, go to frame 10 or so, and with the body selected add a key frame. Then move back to frame 1 and zero out your morphs. The way you don't have to create a full body morph and the figure can fit in the toga to start with and then stretch the toga out along with the morphs as the simulation runs.

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