The sub-divisions usually don't even make sense for texture based cloths! The hand seam is usually at the base of the palm rather than at the wrist... means you have to match the exposed wrist to the hand and you can't turn off the body parts for poke through... I don't really get it... shouldn't the material zones match up with say the "latex" morph borders? For texture maps putting the UV borders at natural clothing borders would make sense since most people have skin tone variations based on the skin exposed when wearing clothes... a slight color shift mid wrist makes more sense then at the base of the hand. I still think that having figures cut up and morphable for 2nd skin clothes makes a great deal of sense for animations and background figures.