If you already have the meshes then you can use Mixer for shading (if that is what you mean by "skins"). Mixer is free and comes with a nice assortment of built-in materials. For clothing the best solution I've found is Marvelous Designer. Not free, but they've switched to a subscription model that lets you pay as you go. I think you can use Blender's cloth simulator to create clothing, too, but I've never tried it (google for tutorials).
And welcome back to the forum!