Adding Decals to Character with Surface Material

Hi Guys!

I’d like my character to get dirty when crouching and rolling on the floor.
Since a single dirt texture is too easy, I’d like to get the material from the surface and put it as a decal onto my character. Is there a possibility to get the material, and put it onto my character as a decal with a opacity mask?

I would be interested in this too.

I’d like my character to get dirty from the feet up and the UVs don’t let me do that.