I made a lowpoly woman a while ago to experiment with lowpoly game production. This is the result. I just painted stripes on the shirt. Seemed like the easiest to do.
I rigged the model using mixamo and added an animation to showcase the bending of the model. I looked at old school games for reference, e.g. the Lara Croft 3D model from the very first games. Mainly for the groin area, as I was struggling to get that to bend correctly when rigged.