[Ben LaCount]

You could model some clothing and apply the "Garment Maker" modifier to a "pattern" of clothing. The garment maker works with the cloth modifier to create a reasonable simulation of clothing as it should deform over an animated body. This process requires a little work, but it works nicely. If you go to the HELP menu in max and type in garment maker, it will give you a walk-through on how to use it. Typically garments can be added to a character after the character has been animated because the cloth needs to be "simulated" or deformed per frame. Give that a shot, or you can just model the clothes right on the character and normal map them just like they do for video games.

Ben LaCount
Autodesk Certified Instructor