How to create cloth and match it with the skin?

:D [size=12:6b8954673f][size=18]..........Can you help me create a good quality of cloth for me character?..how can i create a furry dress for my character?
..........Is cloth object included when applying skin modifier to the char?
..........Can you give me a technique in using Flex modifier for my cloth oject and hair?
..........thanks.........[/size:6b8954673f][/size]