If you want to model a character in 3DS Max and don't want them to be nude, you are probably going to have to work with 3D cloth. This three-part video will teach you how to create cloth in 3DS Max (without using Reactor), attach it to your character, and make it animate properly with the character. It makes use of the Garment Maker mod for for 3DS Max, and should have your characters clothed realistically in no time.
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