Now that sounds like it should work, and it's a very nice trick, thanks so much, markschum & 3doutlaw!!  I tried it and it worked great (just scaling the clothes so far) for the panties, the shirt is a bit more trickier but will try scaling V4 as well, still experimenting.

And thanks everyone for all the other answers, I downloaded PhilC's presets and they work fine!

Here's the result so far... was playing with her hand sneaking under the shirt, beautiful!

Shirt is 3DAge's "Honey" with Silver/Inception's "Insomnia" textures and my "pink cotton" type surface settings (their setting was great, but I wanted a cotton shirt instead of a leather look).

Panty is 3DAge's "Excitement" with my surface settings.

Character is... well, a secret for now, but remember "No quicky, no glow, no bad works, no bull" (SSS version) ;)

Here's the render, thanks again friends!

...wolfie