Hi noaha64975596,
Start with simple models and explore on that level what you need. Beginning with a complex character will slow down the project and learning process.
It will work in that way, the Pose morph will not be affected by dynamics or Cloth. Pose Morph will change things independently. The reaction of the cloth based on a Pose Morph is the processing way. Perhaps I am not clear what you have in mind.
Typically that should be possible. It is a question of what you like to have, and if the needed will help Substeps, Iteration, and Smoothing iterations numbers for the “speed” will allow for that.
Without specifics, it is hard to tell. Simulations have limits; flop around is not pretty straightforward.
Thanassis (Noseman) had some great tips during the last 3D Motion Design show. Have you seen it?
https://www.youtube.com/watch?v=w9UGy4-PT1Q
All the best