Ah, you want the Geo. Bush in downtown Falluja sliced, diced, ripped and shredded look. If you want pieces of clothing hanging off, it might require modifying the geometry. It would be easy enough to "cut loose" some pieces and peel them back but I don't know how that would effect morphs and such. I suppose you could also just create some patches in a modeler, fold and bend them the way you need and then parent them to the garment, using the transparency map technique to create matching holes. Then again, all of that may be insane.

"Democracy is a pathetic belief in the collective wisdom of individual ignorance." - H. L. Mencken