I used Manuel Bastioni's Lab to create the girl, then added some shapekeys to her and the clothing for deformation (I was able to use the sculpting system shape the meshes, which was pretty nice), and then added some boolean cuts to the top and shorts for the rips.The process is not as newbie-friendly as Daz, but you get a lot more freedom this way (plus, the image took about 3 minutes to render, which I think is faster than what Daz or Poser can manage.)Hope that answered your question.