In this tutorial you will see how you can easily create the rippled look as shown in the screenshot of this skin by Kamikuza
We start with a template (by Jesters Ink) which has basic paint layers and panellines like shown here
For each different aircraft skin, you'll have to decide which areas are offset in whatever directions.
Basically, white offsets go "forwards & out to the wing tips" on the wings & "forwards to the nose & up" on the body.
But because in the skin file, the wings etc are upside & all over the place, you'll have to carefully choose which areas are what. So if the left wing is upside down (like in the SBD skin) the white offset will actually be down & right so that it looks correct when the skin is applied to the a/c ... that part is a bit of a headache but color coding the areas & painting them makes life easier later - such as "rivets offset areas" layer

- so you can use the magic wand to quickly select the right areas.
Below every area with an offset has a different color
Draw your rivets. 1px white, paint brush with 3px space between them.
How you draw rivets is shown in the tutorial
Making quick rivets and smooth curving panel and rivet lines
Remember, if you get overlaps or rivets too close to each other, tidy them up NOW or things will look weird later. Maybe you have to move some panel lines, so do your panel lines (black) first, THEN your rivets, before you do almost anything else on the skin!