Here is an overview of how I would apply texture/or patterns over clothing.
This example is looking at a pinstriped suit pattern... but I'm pretty certain the same principles would apply if the cloth was say, checkered or tartan. I haven't tried it out yet, so let me know if it works for you!
It also doesn't have to be for a "realistic" style to. If you have a cartoon-like illustration or semi-realistic, it's a good way to get a consistent looking pattern going on!
Also there is probably a shit ton of spelling/grammar errors in there...but whatevs lol Actual pic:
I never thought of using the warp tool for patterns - but it definitely will make it easier to create patterns than to hand paint them (that's why I avoided patterns whenever possible ^^). I have to try this out, it looks so much easier and prettier than hand-painting patterns - thank you for sharing this idea.