I used Makehuman to create a "base", as I knew that almost all bodyparts would be hidden underneath piles of cloth. I then modeled the skirt, attached it to the hip and made a clothsim while bringing the woman in pose (Cinema4D). Afterwards I modeled hair, cloth on head, blouse, west and pinafore (also Cinema4D).
Actually now I wished I would have decided to model that first and then bring the figure into pose, but I didnĀ“t want to set up rigging/clothsim for all those parts too.
So I did not model the woman, just the clothing on top.