For jewelry, do a search for "rings" in the free stuff, or head over to the 3dcommune and do a search in the free stuff for "maclean" and you should get some hits. Maclean has a nice little package of rings that I use a lot. I really can't answer your clothing question, but I'll take a guess anyway and say that it could be done. It wouldn't conform properly, though, unless you went in and edited the mesh itself. Maybe someone else can provide a better answer for you on that though. Hope it helps.