ok ok a day late.........seems to be the story of my life at the mo'

I picked out the good edge loops in white but not happy with grease pencil mark ;-) 

left pic is before subD   .......left leg(on both) is the "usual" way people box model

right leg .....if you rotate that face to line up with the groups before extruding down then you get a nice clean edge for when you do grouping, do the same for all group edges

then after subD its a lot easier to make the groups .........not 100% sure its any better for conforming/dynamic but it can help keep poly count down

is lots of articles on good toppo but for cloth its easy to follow the toppo from the doll if you don't fancy all the reading bit  

hope that helps mate........... ps nice watercooler ! how did you know I was making one ????? no worries theres always room for one more ;-)