well you could take the easy way , like i did , do a search for wet t shirt in the freebe zone, i think there's 2 of them download that. Then load it into your scene and  then replace the t shirt Tex with  the Texture of clothing of your chooseing. then save . You might have to tweak the setting a bit to get exactly what your looking for .
Hope this help you folks.

Imagination is more important than knowledge,

knowledge is limited,

Imagination encircles the world

kurt