The first two aren't different textures, just using them to illustrate the UV mapping and the material zones...  I started out just doing clothing textures for a good while before I started in on modeling so I'm really picky about the more invisible things to people who just load clothing and load a mat-pose for it.

I'm sorry about your baby...  not really anything that I can say that would make any difference at all...  so just  /hugs