Well.. I finally figured out the cause of that issue.  It was caused by me trying to take a shortcut that actually cost me nearly two days of hair-pulling.

On the materials tab.. you got what looks like this

Bikini_Bra_DS
     >Bikini_Bra
          All the material
          settings
      >Bikini_Straps
          All its material
          settings

Normally for a complicated outfit you would go down to the second tier and open each material surface individually and change each part's maps.  Well.. since both the bra and straps used the same maps I THOUGHT I could take a shortcut and just click on the top tier and change the maps for both parts at the same time.  NOPE.. not happening.. because the changes you make on the top tier do not necessarily change the maps for the second tier too.  You HAVE to do it the long way and change each material surface individually.  I feel like a doofus.  Changed things the each material surface way and it rendered perfectly.