hm, because of your questio concernig the clothes: you already have your nude model? if yes, don't animate it, but create already the clothes for it. animate your model with clothes now and then delete your nude model. you should have now just the animated clothes. save them (for security) and then delete for example the trousers. now you have an animated t-shirt (for example). now just skin it, save it and then open the file with both clothes again. deletethis time the t-shirt and skin the trousers and save them. for me, it works...maybe you should have a try.