Thanks, everyone. I followed the steps above, and got it to basically do what it's supposed to do. There's still a lot of stuff in the cloth room that I don't know what it means. ("choreographed group"?) This is a very simple outfit and I just needed it to drape like cloth, but for future reference I'm wondering what all those controls do.

Basically a choreographed group is smply the default way a particular way the cloth is supposed to act when it is being run in the simulation. There are four dynamic groupings you can assign the vertices of a cloth object to, choreographed which is basically the default setting, constrained, which makes the cloth "stick" to the underlying figure,  Rigid, hard things like buttons, belt buckles and zippers, and Soft, things like bows, ribbons, and belt loops and pockets. Any vertice NOT assigned to one of the other three will fall into the choreographed (default) setting.