Sounds kind of like one of the Female Business Suits I found yesterday at Error Code 50 (I don't have a link handy and the page I got to it from seems to be down, or I'd include a link here!). Or maybe this could be done with good Bump and Texture maps on the Sweater or Dress Shirt? A lot of the time, creative textures, transparancies, and bump maps can cover for limited modelling skills/resources!