not totally off topic buy this is important...if after you've made your cloth and you're ready to run a sim on your char, if at any point that cloth will be in an area where the figure's geometry will cross itself, like the armpit or the joint where the thigh meets the hip, the sim will at least crack the cloth and possible crash totally.  around the joints you need to either use baggy cloth, or load magnets or morphs to pull the geom away from where the cloth will be.  not usually a problem in a single pose single pic thing, but a bitch in animation. this can get pretty complicated but it's totally doable.

go that way really fast.
if something gets in your way
turn