If what you want to do is texture already created clothing figures, I'd say that, first of all, using D|S in your workflow is a great start.  Grab the texture template (at DAZ, it's usually in download form on the product description page, near the bottom right hand corner, elsewhere, it may either be in the .zip file, or you can IM or email the creator about it ;) ) and apply it to the figure in the surfaces Palette to see what it looks like (you can use OpenGL preview, or you can render it, it's your choice).  Now you can see what goes where, as far as the grids on the UV Map goes.  If you're lucky, SnowSultan has made a texture template for it, and it will have directions and colored gridlines and materials all mapped out for you ;)

Also, study textures you already have in your Runtime to see what the creator has done with them.  Some use displacement maps, some use tranparency, some use reflection....and each is a unique creation, and will give you some idea on how its' done.

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