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You can make a default replacement clothing item or accessory by packaging your new mesh with
CTU and NOT renaming TS3's default name of the item before saving. I know this because I once inadvertently made a default replacement for something when I didn't mean to, and discovered that the item had to be renamed in order for it not to replace the default one!
The TGI that HP is referring to is probably TGI0, the bump map, which is the only texture you can't replace from within CTU. You can either replace as she says above, using s3pe, or by changing TGI0 in the Group comments in Milkshape to the key number of a neutral bumpmap, which is what I've done.