Dress is
You must be registered to see the links
this one. But It will wrap around the breasts. Here's what I did to avoid that:
https://f95zone.to/threads/creating-universal-adjust-morph-for-big-breasts.112206/#post-7809261
I rarely use ghost lights, something about the final renders always seems wrong and they do tend to increase my render time significantly, but maybe I'm just using them wrong. My go to lighting is hdri through window (note that you can also rotate it around the X-axis, note just rotate around, because a lot of HDRIs have most light coming from an angle and most of it might not go through the window, and point lights + spot light. If I have some highly emissive material, like a phone screen, I render it out separately if I have the time.
Example:
Here I used HDRI tilted around the x axis to get some decent lighting into the car, one linear point light under the roof in the middle. Rendered it out. Then I hid all the lights (HDRI and the point light) and the care, made the phone's screen emissive, rendered it just that and put it over the original image with a screen blend mode in photoshop and adjusted opacity to my liking and then masked out the earring and hair a bit, because they were getting too greenish.
If you rendered it out all together, it would never look this good. That's why compositing the lights is such a powerful tool with daz.