Jacket Templates - lower & upper body ?

Hey there, been trying to do a couple of bits of clothing for my toon and i've run into a few problems. Have'nt had any problems doing shirts, pants, etc, just shoes and jackets left now. I've been using a shirt pattern for the upper body section and the lower body alpha as a template for the lower body section, but i have two problems.

1-A> The shirt template is fine for color but not for alpha, i'm assuming this is the pattern most people use for jacket upper body areas ? Need the very base of the jacket to be wider to allow it to line up better with the lower body area.
1-B> Same problem in reverse for the lower body pattern, need the top to be wider.

2>Auto alpha layering in photoshop cs (PS, now i read a little while ago on here about a plugin for photoshop that automatically renders the alpha layer based on RGB layers and then auto saves the alpha layer. What i cant remember is if it was for PS6 and lower, or PS6 and above ? Anyone has the link be much apreciated, cant seem to find it now.

Think both problems are one in the same really, just two ways of looking at it, if anyone has any advice, cheers in advance.