All right, down to business: First, here's a preview of how it goes together on the template just to get a reference for whether once uploaded it'll look like crap and not match up or not:

Couple of caveats are in order before I link the actual file: First of all, I'm a Corel user, or rather fanatic, and I use Photo-Paint and Draw X3 and Painter X for everything. Photo-Paint in particular is so blatantly superior to Adobe's bloated flagship that I feel a need to encourage everyone I can come in contact with in such situations to go and grab it before you get sucked into the Photoshop way of doing things, because once you've become familiar it's hard to switch. That out of the way, I'm going to post the takeapartable original file first as an X3-versioned .CPT, just in case there are any others out there (I can proivide backwards-compatible CPTs too, just ask). I do realize that Phtoshop's saturation is incredible, though, and so I'll hear groans until I post a PSD because the CPT supports a lot more merge modes and other things and there's no CPT importer/converter for PS.
So I'll post the PSD, too, but I'd really appreciate it if someone with just ridiculous bandwidth could mirror it somewhere; I won't be able to keep it hosted for more than a few days, maybe a week.
Here's the CPT. Don't download it if you don't have Photo-Paint, there's nothing you can do with it, believe me. There used to be a plugin for 11view or Irfanview that would view them, but I don't see anything like that anymore. It's 13MB, and the PSD is going to be even bigger as PSD compression sucks. For the next few days you'll find that PSD at the same location, same filename except it ends with PSD.
If someone can feel comfortable mirroring that please go ahead and do so, don't contact me first! I don't care!
Finally, here here is a prepared .TGA, uploaded here before I even try it in SL. I'm pretty sure I won't like the results in-world but since I'm not trying to make money here maybe someone can crop it up with sliders if it doesn't work and use it under a jacket or something.
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EDIT: Ha ha I just realized after I got done uploading everything that I'd forgotten to cut out the collar area/neckhole in the front and thus make it a proper tanktop. I guess I didn't think this through very well, maybe I can make that dip with the sliders, more likely I'll have to re-do everything. I'm such a ditz. But I can't do it all right now; so take them as they are and forgive my gross oversight.
What did I do wrong other than that, how can I fix it?
I'm just jealous! I will be trying it on later when I get home (my college is a bit backward and doesn't have Second Life on the computers yet... Tut!) , and maybe picking up a few tips myself 