Even if you do own Clother, having looked at the tutorial, it seems less work to make your own textures my way. I quite agree that if you have P4/PP you can't do this - except if you do your rendering in Bryce or Vue when it becomes very easy. The picture I linked above was done in Bryce before P5 ever came out, so the method is actually old. Oh, and I just checked - it is quite straightforward to nest multiple blender nodes in P5. So you could, if you wished, set up one map that simply divided the figure into above and below waist, and then swap in different "garments" for the different body parts - all in Poser. But again - unless you are doing ultra skintight clothing, the results are not very realistic.