2nd skins are the common term for body textures that have a clothing or alternate covering on them.  They do not require anything other than a graphics program and skins you can use. 

For personal use  you can put them over any skins you own as long as you do not distribute them.

For commercial use obviously you would need the skin as well ;-)

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I do not feel obliged to believe that the same God who has endowed us with sense, reason, and intellect has intended us to forgo their use.
-Galileo