Right, here goes with a quick and dirty explanation... Hair objects can be either Figures, Hair or Props depending on which library they are in. Hair that is in the Figures library will need to be loaded with the double check mark (or double tick as we Brits say), else it will replace your figure. Anything in the Hair or Props library will be added to your scene without deleting an obeject which is already present. Clothes are usually Figures, too - so they need to be loaded with the double tick. As for transparency, generally, leave it as it is. It will not necessarily show as transparent when you render the scene. It uses a transparency map to determine how transparent the obkect will be, and in what manner.

Coppula eam se non posit acceptera jocularum.

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