I took a simple dress that I'd made based on my QuickDress, and cut it up using Anim8or. I'm sure Hex could do the job just as well, probably better. Starting from an existing piece of clothing could be harder, depending on how it was made; of course it would need to be suitable for use as dynamic cloth, even if it was originally conforming. The triangulation you can see here is where the tears cut across the corner of a rectangular facet, giving it five edges. Poser doesn't like pentagons much so I triangulated by hand to avoid them. Edited to add: Actually, the dress shown here is a later version to that shown in my first linked picture, which is why the tears don't match up. ;) I haven't made the transmap for the later version yet.