OK, I should have said that you need to switch the smoothing off after baking or it smooths again - and that will tend to pul the clothes in over the breasts. I assume you know how to add a morph to the FBX export already, if you are doing so for the base figure, but you will need to add the baked morphs after creation. However, as I said I haven’t ever done this so I’m not certain I’m not leading you up the garden path.
Actually I don’t really know much about DAZ, I’m not really a long time user. I was looking for a quick character generator for some quick 3D mockups I wanted to create, and a colleague at work suggested DAZ, telling me how easy it was to get a character created and exported. Probably the least desirable approach, just getting into it and messing around without really learning it’s intricacies… I enjoy using it, and I suppose I owe it to myself to learn a bit more about it. Could you guide me in the right direction?