First, let's just say that in many figures, when the arms are down to the side, the polygons of the forearm (or "shoulder") and the chest typically cross each other. That doesn't matter a whole lot since you can't see them, but it can become problematic for clothes, and often leads to strange back views. We just have to live with that, but it creates this issue.

Okay, here is an image of the Girl. (Perhaps not the best example, but the only one I have handy.) The collar is bent 12 degrees, the shoulder 70 degrees. You can see a hole has formed, as well as an inappropriate dent area. Plus, I just don't care for the "look" of the way it folds... The mangling actually begins much sooner: collar 9 degrees, shoulder 52 degrees. Not completely awful looking, but still kind of a problem.

Anyone have a really good example of a back view with a dynamic shirt? Or any more "bad" examples?