You can do all the commercial work you want with the Daz figures. You just can't distribute the hacked Cr2 of which I explained how to do. If you created your own by either Poser or the DS tools, you can do as you please with it.

Most poke through is caused by JP's(Joint Parameters) that need to be adjusted. Those are the joint bends. Again, you would need Poser or the DS setup tools to do this. Unless your only using Carrara.

I agree that modeling is an art. Keeping the poly count down and still look smooth and bend/morph well is a fine balancing act.