How can I use animations on multiple characters?Master Skeleton or Socket Attachments

I would like to reuse animations for a wide range of characters.
Can I get some suggestions on how to approach the rigging.
The problem being use of a physics attachment customisation. The simplest idea would be to have an uber skeleton, with say jacket joints, a variety of hair joints, tie joint etc and skin to what’s used per character.
I’m worried if this would be inefficient and cause performance issues.
The other might be to combine skeletons somehow. I’ve not seen any example of meshes with multiple skeletons in the docs so any advice would be appreciated.

Edit: Found this (may be the way to go)… Permanent Attachment

If you would like to permanently attach an actor to a Socket so that it is always part of the Skeletal Mesh, you can do so via Persona. Meshes and other assets can be dragged and dropped directly onto sockets in the Skeleton Tree. The following types of assets are supported: