you can make the grouping in blender 2.49.

you load M4 for example. make every groupp a different color. then you make the cloth semi transparent. and then you only select teh vertices under like on M4. export the polygroups and you have all the important body groups done.

then you load a blank M4 file and you are 50% done.

 

it will take time to learn. i am still learning.