Pics of my attempts are at the bottom of this post. I try to avoid Photoshop because I don't have the time to pick up another hobby...
What you did with dFormer looks really good but you said dFormer will cause problems when change poses. I would like to pose the character with the same hairstyle. Also I don't know how to use dFormer yet...
So here is default Zola:
It does not have the pulled back, tapered to the skull look I want. The hairline is also too low.
View attachment 1017857
So I reduced forehead depth by 33% and did some minor adjustments to remove the skullcap lines to get the pulled back look. To get the super tapered to the skull look I also reduced cutout opacity to 25%. It looks OK in closeup but where the hair touches the skull it loses the original fine hairs because skullcap is further inside the head so it looks wrong. It's worse with default cutout opacity at 100%.
View attachment 1017858
In more distance shot because skullcap is now deeper inside the head the forehead hair does not look natural. The sides also looks like cornrows because 25% cutout opacity made the outline stand out more. Increase cutout opacity improves the sides but the forehead then looks unnatural.
View attachment 1017860
edit:
Anyway to get OOT hair cap as a standalone? I imported a standalone hair cap and copy paste Zola surfaces and it turns out that OOT has different surface parameters. I am a noob so I don't know what this means but OOT hair cap has a "Cap Base Texture" where the fine strand details are located while its base color channel is just a color. The generic hair cap I use does not have a "Cap Base Texture" and in its base color channel it uses a texture map with hair strands. Looking at the hair shader products its seem they place hair strand map in the base color channel and lacks the cap base texture as well. If I copy OOT cap surface over to a generic hair cap I just end up with a cap of solid color. So it seems I need a OOT hair cap to show the fine hairs.
edit 2:
The Zola haircap texture hairline is identical to the default position so even if I can use a stand alone Zola cap, pulling back its forehead will move the texture inside the head regardless. There goes that idea...