JoePublic, "Much better to realise that bi-color design with a texture map"

But if I do that the user can't change the individual areas in the material room!
Wrinkles can always be realized with ZBrush maps.
You make a choice. Either you emphasis the bending, or the material area or wrinkles, in real life everything is a compromise. But IMO if you choose the Aery Soul's way you should deliver it in the form of a morph. In combination with 100% welded mesh (which is important) you can then use it for simulation in the cloth room. You dial down the wrinkles before simulation and restore the wrinkles after, see the attached example. Conforming dress to the left, using bodyhandles, dynamic version to the right.

Otherwise I am flattered to be compared with Aery Soul, one touched by the gods. That is a first!