Were I in your situation, originalplaid, I'd scrape together an additional $10 and spend it all at DAZ on the Victoria Clothing Pak 1 and the Morphing Clothing Pak add-on. That will set you up with a basic wardrobe, which is heavily supported by the Poser community with tons of textures and transmaps, for nearly endless modern style combinations.

But I suppose it really depends upon what sort of images/animations you want to create. If your theme is fantasy/medieval, for instance, the Clothing Pak isn't nearly as useful.

Some good sources of free clothing (Victoria and P4):
Serge Marck's PoserFashion
Ghastley Software

If you need any tips on animation or movie-making in general, drop by the 3D/2D Animation and Director's Cut forums.