My recommendation to make this better, is to truly make the Actors multiple layers. From one of my friends who uses this a lot more than me, one of the issue of doing clothing is you have to do clothing for each skin tone if you want a shirt to be truly universal.

I personally come from making a few clothes in SecondLife like environments, and I think their solution could work here as well. Make the Actor say layer 0, everything else is on top of layer 0.

So this would help in that when you make a shirt lets say your shirt would be layer 1, if it had a spot that was transparent then the Actor would go through, or if you were making something a second layer then the first layer would come through etc.

I realize this would probably mean recreating the actors completely, but I think it would make the limits much further out for what you could do with this software.