I decided to go ahead and update this, since I started tinkering with Sketchbook.com's App and found it to be very versatile and easy to use, to provide the Template Gumps for this program as well and for those who want to get started with using sketchbook.com, Draw on top as you usually would on the clothing layer, once you are happy with the piece you created, Hide the rest of the layers and save as a bmp file, and your new gump will be ready to import in UOFiddler.
*Added Compatibility to Sketchbook.com