I've never done anything with cloth before, and I'm not sure if this is the time to start. I'm modelling a character who is wearing a sports jacket and I"m not sure if the normal modelling convention is to model the "naked" body underneath the cloth, or have the cloth serve as the body without any underlying geometry, like arms for instance. My only concern about that methodology is that if the character's hands are visible, should not the arms be as well?
If any of that made sense, please let me know 
. I thank you in advance!