Here are some progression photos of the Korean girl. Starting out, whenever I know they will be fully clothed I try and save clay by making very thin limbs... not so with nude ones or ones with tight fitting clothing. Theoretically you could use wire or even nothing at all inside but toilet tissue or aluminum foil, but I do like some definition of the body underneath the clothing.
Red clay is added.
White clay is added
And finally the little green bow is added, I paint her face/hair and bake her up!