Silo is a very handy and affordable app to tweak your models and especially dynamic cloth.

Run your dynamic cloth simulation as usual and export the cloth and reference body parts as .obj. Deselect all boxes in the export dialogue.

Import into Silo, do not move or scale the model. Use the displacement brushes to smooth and adjust the morph. Subdivide for an even smoother and more natural look. Extrude edges to create “thickness” and / or create seams for the cloth. Ad on details like strings and buttons.

Export as .obj and import into Poser. Deselect the scale and centre boxes on the import dialogue. The imported model from Silo should now appear at the same spot as the original in Poser. Hide the original and you are done!

Happy Rendering!  ;-)