Recently, I've been getting lazy when it comes to skirts and have been using Wardrobe Wizard to create my figures.  I've been still grouping my OBJs first even though Wardrobe Wizard will group the OBJ for you.  I like the way Wardrobe Wizard will add basic body handles and will keep the legs in the figure as ghost actors even if everything below the waist is grouped as the hip.  One thing to keep in mind with Wardrobe Wizard if you are going to redistibute the file is the body handles are separate OBJs and will need to be included (I actually replaced the  balls that Wardrobe Wizard use with my own boxes)

Chris Cox