Cant remember if Ive ever recommended it but I use it and others like it often. KA Clothing Decals, Iray Wet & Dry Fabric, FSL Ragged Fabric, FSL Dark Worn, Horror and Gore Shader, ect.. Also geoshells work ok Iray WetFX2
Probably missing some. Just listing off a few I see in my files Most look good but a few are not very realistic. Sometimes Ill alter the texture if Im not feeling lazy.
I like decals. I tend to place them after I pose the character.
KRDX dirt