Mine are not as up to date as some others around here but here's what I use:
http://www.ootpdevelopments.com/board/blog.php?b=2298
Both templates are originally the Custom Cap & Jersey Template v3.0 by Deft and NoPepper plus bits and pieces from davwms, gern44 and others. Nothing in them was created by me.
If you see someone else creating jerseys with a cool layer on it, ask them for the layer and I'm sure they'll gladly share it.