Retargeting\Rigging best practices

Hi there! I have an issue that bugging me for some time already, and i can’t resolve it myself, so i would be greatly appreciated for any help.
I have 3 different skeletons ( different sizes\namings\bones amount)

  1. standart humanoid skeleton ( like ue4 mannequin)
  2. humanoid skeleton but with bones for clothing added to it ( for dresses and armor parts)
  3. humanid skeleton from my old project also with bones for dresses and armor

And i have a bunch of animation for each. I’m using masterpose component and have modular character with base humanoid skeleton now ( body\boots\gloves\legs\ etc), and if i understand this correct - in this approach the base skeleton should be the same for all parts. I want to somehow use all of the animations on my character ,what approach should i use to achieve this?
I have tried retargeting the animations, it works well, but with this approach i can use only standard movements on my char because this base skeleton don’t include some of the bones that others have, or the bone naming conventions\ bone purpose itself differs.
I thought about creating the rig that composed of standard humanoid skeleton + all of the additional bones from the others ( all of the different bones for dresses\armor parts\tails ect…) In this case i need to reskin all of my characters and parts on to this new rig. Maybe there is some better solution?