Does the amount of clothing affect POI?
A "zero" is dependent upon the method obtained. Zeroing with a sling prone vs zeroing off a bipod vs zeroing off sand bags all can have differing points of impact in relation to each other.
I'm so glad you posted that. Because now we come to the to crux of the issue....
We all understand that there can be measurable differences in resulting POI when shooting off a bench versus shooting free-recoil off a bi pod, or shooting prone versus using a Led Sled. Like Sterling correctly says, involving the shooter behind the rifle and his reaction to the recoil process is integral to the system - when you initially zero.
But is maintaining that zero all about the "relationship between the shooter, gun and ground"? Maybe if you are shooting NRA high power and using three completely different zeros, but even then I suspect other reasons.
Because if what you say about a zero being method dependent is correct, and we're not even talking about clothing choice at this point, every time you shot your rifle from any position other than the one you used to zero the zero would change. And we know that this doesn't happen.
Because if that were true, then how do people hit anything with their rifles? When you suddenly have to shoot standing in a practical rifle match, or snap-shoot a deer, do you look-up the recorded zero deviation between prone and standing according your logbook, then enter a mechanical correction? Of course not (that is, unless maybe if you are shooting the same COF on a known range with the same equipment using iron sights and a particular discipline to accomplish it).
As a practical exercise I suggest you try this: Take your folding stock rifle and zero it prone. Then fold the stock. Concentrate on getting a proper sight picture behind the eye box of the scope each time and shoot a group that way - with no cheek rest and no shoulder contact. What is the difference between the POI of both groups?
Here's what we did at Rifles Only, circa 2011: Jacob zeroed his 300WM. Each of eleven students and three instructors then got behind the rifle and shot a group with it. POI was calculated as a deviation from Jacob's POA for each person. What was the deviation, as a percentage? I don't remember. Lindy did the math. If I can't get in touch with Lindy or Jacob maybe I can get Frank to chime in. But when I get the answer, remember, this was a deviation between different people, not the same person.
Personally, I have seen my zero noticeably change when I shoot behind the same rifle for two or three days, with the same clothing, but that's entirely another matter.
It's not about the clothing.