How do I extrude this top so the mesh will form a complete dress. More precisely, after applying the mirror modifier, each horizontal loop contains N=24 vertexes. To get good results from the cloth simulator, I want the skirt to have at least more vertexes around each horizontal loop so I need to branch each vertical edge to create more vertexes in the loop below. Is it possible to join two loops with N and kN vertexes without using a "tris bridge". That is, I want to stick to quads.
I figured out that I can multiply by three using the following pattern
| | +------+ \ / \ +--+ + /| |\ / + | | + | | | | +-+--+-+
By only branching every other edge, it is possible to multiply by two.
This technique results in some bad quads. Is more regular tris a better approach then?