Create your text in 3D, colour the polygons and light the scene (Fig33). Export as a Targa file so that an alpha layer is automatically created. This is for easy masking/selection for pasting into your texture map.
I will choose one later.
Back to his shorts:
One of the tricks with masking (and there are several) is to invert a selection. This time I am shading the outside of the mask with a darker shade.
Again I have motion blurred it and drawn nowhither selection to mimic seam tension.
Shade with a large airbrush size accordingly.
I have wind blurred it and reduced the opacity of the layer so that the folds are subtle suggestions rather than hard drawn lines.
Socks:
Keeping our lines and tones consistent, clinical yet soft and warm is my aim here. So I have drawn the lines on our sock using stroked lines.
With the use of the Layer style blending options, I have embossed and blurred our lines. There are other screen and normal layers for the other tones.