OR Blending Method for Multitexturing?

I have several characters in my game that share the same model. Each character has a skin texture with that characters skin tone, face, etc.

I want to be able to swap the clothes that the characters are wearing using multitexturing with a masked texture. The masked texture would contain the clothing but be masked where the face/arms/etc. should be visible.

I can get almost what I want with multitexturing, however the TextureBlend options all combine the textures. I want something that uses the pixels from the clothing texture unless they are masked.

I'm sure there's some combination of masks, alpha textures, etc. that can do what I want any suggestions?

-Brian

I would use three textures :

(skin * clothingmask) + clothingcolor

where clothing mask is a solid white texture with black where the clothing pixels should be used (and clothingcolor needs black pixels where the skin should be).

From experience, multitexturing with textures that have masks / alpha channels is an extremely complex and unpredictable thing.

Didnt someone managethis using a botched DOT3 Demo?