Thanks for the tips Randym77. I can fix most problems externally; poke through and drape adjustment with sculpting tools. Hopefully after enough tries I can get "close enough" results in Poser itself with just the cloth room. I won't need to start rendering anything for a couple weeks so there's time to experiment. Now I'm scouring the 3d world for cathedral interior models and free cathedral interior hdri... preferably dark and moody with contrasty lit windows for reflections. Found some nicely made cathedral elements on sale over at Daz and there's a nice texture expansion for the habit for sale here that will expand the uses of the refit.

Speaking of cloth self collision I thought that was mandatory usually, for good results. I always have used that.

Thanks again.