Paint is so easy to pixel with - I like to use it because it is basic and doesn't distract me with other options...just the simple things you need :D
Here are the bases:
If you want them without their undies, I can upload them for you.
Honestly, I find inspiration in something and just start to draw it in my own pixel style and go from there :) If you want to post and outline, Xuvvie is REALLY great with folds and the natural shape of cloth and she can probably help you. I will try to help as well :)
START WITH SOMETHING SIMPLE. Don't make the mistake I made and start with complicated items. Start with a shirt or a pair of pants first. XD