Well, I fixed my problem.  I went into the specific shader for one of the clothing items and the highlight had a grey color in it.  I changed it to black, and the reflected highlights were gone.  Thanks Sparrownightmare, I did figure out that the default shader only applies to objects without an assigned shader, and therefore has little effect.

Interestingly, the setting of shininess (which I expected to be part of the problem) seems to have little effect.  I tried setting this high and low, with no discernable change.

Different colors plugged in for the highlight do react diffently depending on lighting.  For clothes, it must stay toward black to avoid shine.  Naturally, if you want a plastic or leathery surface, a lighter tone here would help.

Interesting.

Klebnor

Lotus 123 ~ S-Render ~ OS/2 WARP ~ IBM 8088 / 4.77 Mhz ~ Hercules Ultima graphics, Hitachi 10 MB HDD, 64K RAM, 12 in diagonal CRT Monitor (16 colors / 60 Hz refresh rate), 240 Watt PS, Dual 1.44 MB Floppies, 2 button mouse input device.  Beige horizontal case.  I don't display my unit.