The clothes

For modelling clothes, I used a cylinder converted to a PolyMesh.  I used the front and right views of the torso as a background (placed on another layer) to adjust the clothes. The depth information of this background was extremely helpful, compared to standard flat reference images, allowing the current part to be perfectly adjusted for the body.

Teddy Bear

Export / Import

Each part of the body was exported from ZBrush at subdivision level 2 or 3, then imported into my animation program. Normal maps were generated with ZMapper (I don't use displacement mapping; I think it takes too much time to compute and render). If needed, at this point I tweaked the pose by moving vertices. Then I added some accessories like the chain.