Hi Benny
i feel that some parts of your model could do with some refinement, have a look over on CGtalk in the maya topology thread, should give you some ideas, i'll post up my wires soon (when I get round to sorting out the proportions and completing the foot).
Also for the clothing, give it a go, if you model a tube theen model another one over the top with different topology and give it a go, I've never tried doing it the way you said.
"No pressure, no diamonds" Thomas Carlyle