Joan is now equipped with the parts of the armour and the gloves.
The hair is hidden as is not useful in this part.
The first thing to be added is the garments which are worn between and under the armour.
Select the faces in red, and use Detach faces. Choose 'As Clone' to keep the original body intact
Apply Push to clothing, this makes it possible to inflate the mesh and thus evenly move it away from the skin.
(Push acts upon the normals vertexes whereas a scale acts upon the center of the object)
It is ok that the cloths limits exceed parts of armours, we can adjust these later when meshsmooth is in the stack.
Insert edges into the groin to make the folds.
For the verticle/central seam, insert these edges.
In the same way for the folds on the body.
For this long seam use chamfer.
Simplify the geometry by using collapse vertex, resulting in more quads and less tri's.
Finally apply one negative extrude
Apply Meshsmooth and adjust the vertexes which were added to model for the folds.
Make a symmetrical copy and then loose the symmetry of the folds by adjusting the vertexes once more.