Attached Link: http://www.3d.sk/

There are templates and there are seam guides. Some generous people have taken templates and matched the joining edge seams indicating with color where the textures line up (red to red, yellow to yello, etc.) so I would search Free Stuff for Seam Guide rather than template. http://www.3d.sk/ has samples of clothes as well as human skin for I think $14USD/month. Very high quality except the oldist material, and very reliable site owner. There you can samples of jeans for instance. The main thing in making these second skins is to work on transparent layers rather than the main texture itself. Clother looks like a terrific product but it is too expensive for me, it is an application to apply secondskins to textures but it uses propriatle format for the import. There is a lot of free clothes available for it... thismight be an option if you don't really want to do the work your self.