If you're comfortable in the Material Room you can Blend more complex shaders. Here I used a skin shader that came with V4. This shader connects to Duffuse, Alternate Diffuse, Alternate Specular, and Bump. I can't do anything to simplify blending the Bump, but I added the Alt Diffuse and Alt Specular together using a Color Math: Add. Then I connected what had been on the Diffuse input to a Diffuse node and added that to the previous Color Math node with a second Color Math. That way, a single Blend node can mix it with my clothing texture.

If you're skilled in the Material Room, you could improve on the skin shader or add gamma correction.