I have this experimental cloth patch for the neck made with Blender pipeline by replicating part of the head, separating as a cloth and adding a mesh for severed area.
https://drive.google.com/file/d/103ImWC-oj6fJBX0vgsdskjJw19dG2o8H/view?usp=drive_linkI do not have a zbrush but you might create something similar with GOZ (not sure if DHS for cloth could be translated back to CC with GOZ).
The patch is similar to the those I have in
this pack, but I never included neck patch to that pack.
Patch can be applied to any character but you have to match the adjoining texture and DHS parameters.
For properly applying texture to the neck patch check this video:
https://youtu.be/8NbX-lOk0OYThis item is delicate and needs to be handled with care. Some other rules in the description at the pack link above.
May not look well if subdivided.
Texture for severed part is from different project. Slight tweaking might require or you can make your own.
So in the end it might look like that (warning:
graphic imagery content):