LS several people have made it very clear that this is actually not difficult to achieve.

Basic steps:

Drag the material to the clothing layer and adjust it to the appropriate size.

Cut out the selection of clothes, reverse the selection on the material layer, and delete the redundant part of the material.

Adjust the mixing mode of the material layer. I choose linear deepening here.

Add a mask to the material layer and erase the gradient effect with a brush.

Under the overall adjustment, complete.