And some items you will find that if you take a page from the old cloth room and expend the figure it will make the cloth fit better. But unlike the old cloth room you don't start with the figure at a smaller size you start at 100% and expand the limbs in X,Z axis for legs and Y.Z for arms to say 110% over say 10-15 frames run the simulation and afterwards disable the expand of the figure so it stays at 100% and now the figure stays inside the cloth.

Poser 5, 6, 7, 8, Poser Pro 9 (2012), 10 (2014), 11, 12, 13, 14