I've gone over budget and have to take a little break. If you have enjoyed any of my LoRAs and want to see more, consider supporting me. Anything helps!
A LoRA for wet t-shirts. It does the classic white t-shirt well. Other clothes can work sometimes. It does tend to make everything in the scene wet and/or add rain. Men generated end up being jacked. A weight of 0.8-0.9 seems to do the trick.
Include "w3t, wet tshirt" (or some other clothing item).
If you're getting gloves, add that to the negative prompt. I forgot to tag the only image with gloves. Oops!
Also try the SD1.5 version.