Here are a couple of mine, with notes on techniques:

Wet Nurse http://www.renderosity.com/mod/gallery/index.php?image_id=1843351&user_id=445066&page=4&member&np

Use transparency based on bump map. I rendered the picture with several levels of transparency on the dress, and postworked them. (Techniques described in test of render.)

http://www.renderosity.com/mod/gallery/index.php?image_id=1798141&user_id=445066&page=4&member&np

Took existing transparency and ran it through a map node (power?) to heighten the contrast. Removed nearly all the specular from the light to give a better underwater look.

http://www.renderosity.com/mod/gallery/index.php?image_id=1794569&user_id=445066&page=4&member&np

As for the previous. Normally I remove "visible in ray-tracing" for stockings to avoid the sort of artifcat you see here (a result of having to large a setting on minimum ray bias), but it works really well for underwater, looking like air trapped in the panty hose. (Works just as well for above water, with water trapped.)

http://www.renderosity.com/mod/gallery/index.php?image_id=1657400&user_id=445066&page=6&member&np and

http://www.renderosity.com/mod/gallery/index.php?image_id=1657401&user_id=445066&page=5&member&np

are a sequence. You can see how I increased the density on the dynamic clothing as it got wet, and increased the shine. (If it hand't been black I would have darkened it as well.)

http://www.renderosity.com/mod/gallery/index.php?image_id=1597520

Heavy use of dynamic clothes, and playing with transparency nodes.

http://www.renderosity.com/mod/gallery/index.php?image_id=1572546&user_id=445066&page=7&member&np

Lighting isn't very good, but this illustrates a nice technique. I used the diffuse input, inverted it, and turned it into a transparency map so that the patterns on her dress remain opaque.