
It works!! Thanks to the helpful advice on this entry I was able to create this hoodie using two different groups!
So, the undershirt is made out of the maxis nude male top (but I had to shrink it down quite a bit so it wouldn't clip into the hood, underneath this guy's sweater he is sort of freaky looking..) so anyone can slap the textures of millions of shirts that are already out there underneath (like aikea's shirts, wendigo's shirts.. you know).
And the hoodie is on a totally separate .bmp, and will show up over any high-waisted bottoms. I also adjusted it so there is NO CLIPPING with any of the maxis bottoms from the eps that I have. I feel pretty proud of myself. ;D
I already combined the 3 maxis textures with some of ja's shirt default textures.

If you want, you can download the 3 maxis hood textures with ja's textures underneath, plus my new mesh! (no morphs, I was waaay too tired of working on this mesh to make morphs.)

Everything (except the pocket on the arm, and the whole hood) is hand-painted.
What do you think?
EDIT: I uploaded my retextures here!