I would suggest checking mesh grabber, it is better to do minor adjustments and fix poke through, but it might work for undressing morphs, depends on the pose and complexity of the clothes.
Your best bet would be to export the clothes to either Blender or ZBrush and do the morph there. That requires some learning but it will give you the best results by far. Blender has full cloth simulation, but you don't need that, both ZBrush and Blender have very fast cloth sim sculpting that works well enough for this.
Here's an example I sculpted in ZBrush, it took me 10 minutes aprox (please ignore the lighting, I just dropped an HDRI and two random lights)
View attachment 1371611
To be honest, I think Blender has better cloth sculpting but used ZBrush because it's super fast to export/import.
It's far from perfect, but with more time you it can look quite good, the only problem is that neither ZBrush or Blender are very user friendly, Blender has improved a lot lately but still has it's quirks.
Now, as it was suggested you can look for clothes with undressing morphs, take a look at Everyday Clothes or any clothing item by Sparkman. The problem with that is that you are stuck with the clothing and you'll have limited customization.
Lastly, there's dForce, but it honestly is not very good for this use case: it breaks easily, it's slow for it's quality and as any cloth sim it likes uniform topology, which most items don't have. It might be ok to run it after creating your morph to settle the clothes but that's about it.