It's not that complicated. 1. Pose your figure 2. Load the cloth prop (which has to fit the "neutral" pose) 3. Create Simulation, add body to collisions (make sure "start draping from zero pose" is checked). 4. Bring up "Simulation Settings" dialog 5. Set drape frames to 20 or something 6. Click "Calculate Drape". 7. The figure will do a gradual morph from neutral pose to your pose over 20 frames (or whatever you set), moving the cloth with it.