For an interim post, some have asked to have me describe the creases and fold patterns in the clothing I paint in my figures. Really, it isn't very difficult. One only needs to observe the human body with clothes on it, and it is relatively easy to replicate in miniature.
One example would be when one's arm is bent at the elbow, it follows logically that the fabric would be stressed most at the tip of the elbow, but the rest of the fabric will give on the inside of the arm. The figures I paint follow that general principal, and really good figures are sculpted that way. Some figure brands like AB and Old Glory have the correct folds and stresses sculpted into the figure. If the figure doesn't have the right clothing effects sculpted into it, it isn't the end of the world, because the folds can be painted on without the sculpted texture. A look at the following pics should convey the general concept.
That having been said, I find quite a few figure painters who appear to blotch highlight colors on in a way that highlights the knees (elbows) and generally blocks the legs (arms). I think this is very effective, and makes for an attractive finished figure, both close up and on the game table. The style I use is not as loose, but both are great painting styles for 15mm, and the whole thing is a question of taste. Again, since I paint far more than I game, I like to see how tight I can make things like clothing folds, etc. When one plays a game, however, no one notices the tight style. I like doing things in the style I do because it is satisfying to me in the exercise of painting, so there is no "right" style.
So . . . for those of you who have asked, here are a few pencil drawings that illustrate things fairly well.