Taking the leap and giving Blender a shot. Got the texture (with alpha) sorted. Problem comes with putting a torso underneath the clothing where the alpha would reveal the body below.

Pretty much an absolute beginner with modeling so explain in dummy mode please

Here's the model without a torso underneath.

http://i.imgur.com/04KjY.jpg

Here's what happened when I put a torso onto the model underneath the clothing.

http://i.imgur.com/vQmi5.jpg

Any ideas on how I can get the torso underneath?