Here's a tutorial on how I color cloth using lineart by Renmazuo [link]
I don't claim to be an expert, but the tutorial gives one way on how to approach and think about cloth.
I hope it's helpful! (And not too wordy).
A list of my tutorials:
Coloring basics : [link]
Coloring anime faces : [link]
Coloring cloth : [link]
Coloring metal and jewels : [link]