I would use three textures :
(skin * clothingmask) + clothingcolor
where clothing mask is a solid white texture with black where the clothing pixels should be used (and clothingcolor needs black pixels where the skin should be).
From experience, multitexturing with textures that have masks / alpha channels is an extremely complex and unpredictable thing.
(skin * clothingmask) + clothingcolor
where clothing mask is a solid white texture with black where the clothing pixels should be used (and clothingcolor needs black pixels where the skin should be).
From experience, multitexturing with textures that have masks / alpha channels is an extremely complex and unpredictable thing.