You can transform any Poser clothing into torn clothing with a combination of painted textures and transparency maps. On the transparency map, any area that is black is "invisible", and any area that is white is opaque. You can see examples of this with eyelashes or eyebrows in many Poser figures. Then, on the "regular" texture, just paint some tear details around the edges of what you want "invisible" in the transparency map, and between the two you get what you want.