Like the stuff on the belt? I think you have to have 2 skin colors. Wait rewind =P Download Tryout of Adobe photoshop at www.adobe.com Or buy it. Then choose 2 images and then skin map, ya know? Then Choose 2 skin colors. If it's a belt and It's blue, someone told me to do a dark blue and light blue. Now use Smudge tool or w/e and then get it in the position you like it. Then burn it and crap. Just mess around with it. Someone else can correct me ^_^
lol i used to be just like u. do to polycount.com look aeound in the resources for skinning. i learned from trial and error. thats the best way to learn. and a skinmap is a model unwraped onto a 2d surface so u can apply textures.