Echonite, for me it works the same as in Oblivion: I copy the weights from the body I am working with and only in some cases I have had to paint by hand little parts of the clothes. If you copy the weights from a mesh that has dismemberment, then your clohting will inherit that dismemberment data.
Sometimes, when exporting a mesh Blender gives an error message saying that some vertexs are not assigned to any body part. Then you only have to assign them to a body part and export the mesh again (you can do that in Edit mode, pressing "assign" under the Vertex group of the body part you want to assign to the selected vertexs).
I wrote a tutorial for Fallout, but it is in Spanish. Maybe you can translate it using Google translator:
* Part 1: http://videojuegos.clandlan.net/videojuegos/index.php/Tutorial_Crear_una_armadura
* Part 2: http://videojuegos.clandlan.net/videojuegos/index.php/Tutorial_Crear_una_armadura_2
Hope this helps