Various people have dropped handy hints about making objects live, adding curves and then 'just lofting', however all this is like Greek to me I fear. Well not quite, as my Greek is better than my nurbs, which is not saying much

Might someone be able to post a quick explanation of how to do this with perhaps a screenie or two? Just to be clear I don't want to extrude polys but to make straps, webbing etc from additional pieces in nurbs or polys over an existing character.
Anyone want to offer an idiots guide to this particular idiot?