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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