Quote - ** if the game is a commercial project you should get real legal advice **

Well said,  markschum. 

If you choose to create your own content,  Blender or Wings3d are most excellent.

Thank you all! No, this game is not for commercial purposes. This game will be free! And using transparency maps is a good idea, I just have to get familiar with the texture map of the clothing.

I will give credit to as many creators as possible, just to be safe.

Thank you all again for your replies! :)