Thank you for your confirmation, but I´m afraid there are some users that are doing that.
Anyway, trying to answer the original question, this is the best I've come up with. You probably are already aware of this links, but anyway:
A thread about the 4 arm question. The "solution", however, is far from elegant:
https://www.daz3d.com/forums/discussion/comment/5110396/
Should this or any better answer solve it, you might find this useful:
https://www.daz3d.com/forums/discussion/90906/four-armed-shirt
Hope this somehow helps.
Best regards,