In the old Poser/DS tutorials there was a tutorial for SnowCloning. Unfortunately, I can’t locate it the new knowledge base. If the tutorial doesn’t specifically mention DS (which it doesn’t because DS didn’t exist in those days), it doesn’t seem to show up.
You might want to PM SnowSultan here or if you have a Rendo account, site mail him there. It’s been a long time since I’ve used the technique but it might same you some time.
IIRC, you set up your figure with hair, clothes, poses, ect. You then hide the clothing (and even the hair if necessary) and render just the figure. Save that render to png. Hide the figure, make the clothing visible and render the clothing saving the render to the same format. You can even to the same with the hair.
You then take the png’s into your image editor and assemble the layers. Since this was done in the Poser 4 days, conforming clothing was the norm. It’s been a while since I used this method and never with dynamic clothing but it should work the same as you are simply hiding elements of scene and rendering only what the camera sees.
I’m sure SnowSultan can give you more detail since it was his tutorial.