I'm surprised you say none of the figures with poser are what you need as you have the "casual" versions of various female figures (eg Judy, Alyson Roxie, Pauline depending on which poser version you have) which load fully clothed with hair.

However if you want to buy a figure you might try Lorreta Lores which is available at DAZ.

A free figure you might try is Kez (not KezWM which is a conventional poser figure.) If you search poser Kez in google you should find the link.