Its not you, it really isn’t. Ive had the same problems
It would be REALLY nice if Daz could break away from posers limited OBJ reading capabilities and actually have DS read and use the Smoothing group information contained in an OBJ.
Im pretty sure that both DS and Poser blissfully ignore all mesh smoothing group properties on imported OBJs.
Preping a mesh for the mesh smoothing modifier is tricky -especially where clean edges are concerned (as you can see from your screen shots), it involves adding extra geometry that you wouldn’t normally need. You need to have a tiny chamfer on all the sharp edges to prevent the smoothing from killing them.
A better solution for garments, would be a Vert Relax modifer rather than smoothing. With the exception of organic objects, applying uncontrolled smoothing to an entire mesh will almost always yeild bad looking results.
1) For the beads on the necklace, did you break the verts to get a clean edge? if so that wont work for mesh smoothing, all verts must be welded.
2) in your last screen shot im not quite sure what we are looking at, this one doesnt look like a smoothing problem, did it just conform badly to the figure? And If so did you use a ‘projection template’ in the transfer utility? That sometimes can cause this problem.