Okay, thanks.  I had to start with the Poser Cloth Room, since I've never used it before.  After some fiddling and a couple of helpful tutorials on YouTube, I more or less see how it works.  Its pretty touchy to the details of the animation, e.g. if a hand brushes slightly into the character body, the cloth starts bunching (even with "Ignore Hand Collisions" turned on).  That may be a feature at times, like the character is scratching thru the clothes.  I haven't gotten to Carrara yet, busy on other projects, but one way might be to just do the animation in Poser and composite in the video editor.  I don't care for Poser for large scenes, but one character is OK.