Ok, so last night I finally sat down and figured out how to do this textures thing and made me a t-shirt.  The only problem is I can't get it to show in the game.  I changed the myinfo file as directed and that didn't work, double checked the file itself and all was good there, so I'm stumped.

Here's a link to the PSD file with alpha channel if someone wants to take a peak and make sure I'm doing it right.

OBiker_TShirt1.psd