You can try all those sites that Schlabber mentions for textures for various clothing items, Rena (at Fairywoods) even has several of her texture packs available for download. Speaking for Kalypso and myself we use PhotoPaint and Corel Texture and make most of them ourselves. Also KPT 5 and 6 are useful for various effects. The textures that you've seen are not just a fill but composited with various layers so just experiment and have fun. For environments you may want to check out www.graphtallica.com Basically a resource for game skinners but you can make good fantasy backgrounds.