Modular character Best Practices

I’m working on creating a character customisation system where you get to choose your character’s hair, clothes, shoes etc.

Originally I had thought to have my “naked” model and then just put the clothing mesh on top of it.

My next thought was to have a partial “naked” body, (one where the torso area has been removed) and then replace the torso with the clothing mesh. (This one makes more sense to me as it would decrease the vert count by removing the “naked” torso which would be hidden anyway)

I was wondering which one of these would be the best practice or if there’s any other option.

Thanks in advance :slight_smile: