Quote -  Yeah right now I can make a geometric shape and change it slightly, but clothing is way different than a box or ball. 

I make clothes with Wings. With box you can easy make any shape adding edges and extruding polygons.
1 First I import figure obj.
2 Remove head, fingers and another useless body parts.
3 Select all and choose "wireframe" view
4 "Lock selected"
5 Create cube, scale it and place around waist. (Cut cube along z axis and create virtual mirror)
6 Model cube adding vertical edges to obtain prism similar to belt. (Not too many - needn't be smooth atm)
7 Extrude top of prism (use "extrude region")
8 Extrude along y axis few times in small steps. After every step adjust verticles, edges or polygons if you see that clothes intersect figure wireframe. Too big (loose) cloth is better then too thigh.
9 Over shoulders add edges to create correct shape.
10 Add edges and join verticles to create shape of collar and sleeves.
11 Freeze mirror, select polygons inside collar and sleeves, choose material "hole". Select "hole" for bottom of shape as well
12 Cut shape in the middle and create new virtual mirror.
13 Extrude sleeves as above.
14 Freeze mirror select edges around "hole" material and make them "hard".
15 Select all polygons with "hole" material, choose "invert" and press "smooth"
16 Check if all figure verticles do not intersect created shape - adjust it if necessery.