Thank you very much for your answer and links. This is just what I need. Thank you so much
I have Paint net, but I am not god at it at all. To be honest, I have never been near 2d or 3d before I downloaded DAZ. So all this is very new to me. As an experiment I was trying to make some blood slowly appear on a shirt in an animation I made in Animate2, using Paint net the other day, but that went all wrong. I think I know how to do it picture after picture - and I am sure there is an easier way - but in the end it all looked very strange. So yes I am very new to all this.
It´s very kind of you to be willing to write a post about how to add dirt and rips in an 2D program. But I am afraid there would be so much I would not understand, cause it´s all so new to me, that I maybe would end up being a pain in the ass. So for now I will buy the two programs you showed me, and then later when I have being using Paint Net some more or maybe buy Photoshop, and start studying it for real, I can begin doing it that way - and if it is ok with you when that time comes, ask you some relevant questions when I need help.
All the best