It may take a bit more prep time, but you can save your characters with the dynamic clothes smart propped to them in poses. When you create and pose your character, run the simulation right away then under the object file, spawn morph target. Put the dynamics to 0 and the morph to 1. When you save and reload the figure, it will load in that pose. You could even run simulations for several poses and save them to the cloth that way if you desire.

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