Derivable shapely miniskirt for creators only. You'll see there's no 'dip' in the sacral area so it looks more natural. If you want leggings, just add white opacity for the underwear part. Samples are given as guidelines.

leggings/underwear wiremap
skirt wiremap
This opacity can be used if you want underwear for shorter skirts.
I'd use this opacity map if I don't want any visible clipping which tends to happen with certain poses so that it's the same length as the skirt layer. Just make sure the texture used is the same as skirt.