Quote - Hi RobynsVeil,
To be safe, I say that you just post your technique until people get back to you on the other stuff.  I'd like to know how you did it.
Xan
http://xanaman.deviantart.com

Good point, Xan, and well taken.

It's really simple, really. The toes (in office attire, at least) can be hidden in shoes, and those other areas (like at the hips) are going to be hidden by clothing. What I found a bit limiting was how much of the thigh the skirt had to cover, since much of the fashions here on Renderosity and elsewhere is pretty skimpy stuff, showing plenty of thigh.

It was a matter of determining what texture was actually mapped to the thigh and using that. To my chagrin I discovered that the physical coordinates on the V4HiTorsoM.jpg that provided texture for the thighs overlapped those on the V4HiLimbsM.jpg. I though I'd have a go, anyway.

I'm poor - can't afford Photoshop, having spent all my hard-earned money on Poser content - so I use the GIMP. It's all pretty basic stuff, though, so those with Photoshop shouldn't have and trouble finding the analogous method in that program.
.
I'll show you what I discovered seemed to work best, using a freebie skin texture from:
faeriedreams2.com/store/index.php

...under Free Stuff, the character Krista. BTW, I am quite keen to put my own body MATs together, but all the places I've found require a $20 monthly subscription or are hideously expensive. Anyone have any ideas where one can get reasonable skin textures from live models?

Anyway, here's what you can try in order to get the legs you want:

-Bring up the limbs texture file and erase the arms and nails part of the image:

-Save it as a file that supports layers: in my case, .xcf, for Photoshop, .psd?
-Select by white, then invert the selection, thereby selecting all the visible skin texture. BTW, I would shirk your selection a bit too, to get rid of any white border - when I did this over, I shrunk it by 5 pixels to get rid of any white:

-Edit... copy
-Create a new layer, call it Limbs
-Paste
-Bring up the torso texture file
-Select the bottom half of the image, starting at about the level of the belly button and right out to the side:

-Copy
-Select your project image and create a new layer... call it Torso
-Paste
-Move it right down to the bottom of the image in as close to the original position as you can:

-Select by colour (white) grow your selection by 4 or 5, and delete

-Set opacity of that layer so that you can see the limbs layer. The tricky bit - you may have to play with this a bit to get it right... using your lasso tool, select roughly the area shown:

...and delete it... do the same for the other side
-Reset the opacity to 100%
-Save
-In the GIMP, "flatten image" replaces the alpha channel with white - you should end up with something where the alpha channel is white and your texture doesn't show any white border where it overlaps. Either smudge or erase any white edges .

Save as your JPG... I've kinda named them by the character that they have their skin from, sorta like:
StockingsV4_Krista.jpg
and have placed them all in a Stockings folder in the Textures area for easy access. Here's the same poor girl standing in a cold office minus her dress - not happy, Jan - but you can see the texture coverage you should end up with:

Nothing that a cleverly place pair of undies won't fix.

Good luck with this. I'm no where the genius that BagginsBill is - he's made a wonderful tool that will make everyone's renders just that much more exciting... thank YOU, BB...

Monterey/Mint21.x/Win10 - Blender3.x - PP11.3(cm) - Musescore3.6.2

Wir sind gewohnt, daß die Menschen verhöhnen was sie nicht verstehen
[it is clear that humans have contempt for that which they do not understand] 

Metaphor of Chooks