lesbentley  thank you.  I have a question that takes the next step where animation is concerned but have to run a couple of tests first.  Thanks again

Your assistance has been appreciated.  But here is a request.
Could you build a split skirt that hangs low on the hips like the one I'm trying
to use?    If you took a look at it and then did your magic....say what?
Kana ina

It's a skirt from an outfit called Zenia.  Has a texture called Blinded by the light.  Hoped to use
it as a dynamic.  Only has trim, clasps, and skirt.  Any ideas?

Thanks so much for the time you are spending with this.
OK.  Coming along.  I'm exporting as a wavefront obj.  That seems to be the only option to
export as an obj.  Unchecked everything.  Deleted original then imported the obj.  Did the fit
and zero pose beginning at frame one.  New pose starts at later frame.  In cloth room the calculations begin and them before the progress bar comes up they fail.  So the problem would seem to be in the import/export process.  With items created as dynamic I have no problems.
So is it something wrong with Import/Export.

In fact I'm working on it as I write and whine.  The export and import process allows for
multiple options that my books etc.  don't help enough with.  Need a guide thru this maze.
No kidding.  And judging from how many hits this has taken in 5 minutes I'd say a number
of people have the same question.  Cause the hits came but few answers.

Help?

That is impressive.  Thanks.  Here's a bit of a problem. 
1.. what is the export process, and does it have to be fitted and conformed to the figure it fits before exporting?
2.  Delete conforming clothes from the document window only?

1. Specifics on the  import process.
   See I need small steps there are gaps in my experience.