>>2891769I love those too, and I think I just figured out how they're made. Maybe this is just common knowledge, but if you load in a model after an object with transparency it disappears when looking through the transparent object.
So you can load a model, remove clothes/etc, load the window, then load the model again and the window will mask the clothed model.
I learned about that load order issue when working with a stage that had transparent elements and I didn't put two and two together until just now.