I tend to agree with everybody else. While you did a great job on the transparency map, the one on the left is best. I know from experience, bare chainmail against the skin is murder on body hair. AAAAAAAAAAAAAHHHHHHHHH!!! It's worse than a full body waxing!!! Except it rips the hair out by the roots individually. It's ALWAYS better to wear something under chainmail. It also helps stop sunburn in odd patterns, (and places). LOL Although, you might concider adding a bump map to the mail. It'll add more diversity and realism under dramatic lighting.