Hi quietrob!

The "Combine Figures..." menu command in Poser (in the Poser "Figures" menu), will let you merge 2 figures, such as a character and their clothing. This will result in one model with the figure and clothing merged into one geometry file for exporting. You can remove polygons which I assume are the ones covered by the clothing. The Poser Reference Manual lightly covers this on pages 979-985. Probably something similar was in Poser Pro 2014 Game Dev for "baking" figures/clothing/etc. together into one model and reducing polygon count for games.

That's my understanding of it.

Lee