How do i create a modular character?

Hello, i want to do diablo type game and with that comes “dressing up” the character. For armors and head pieces it should be just snapping the mesh in the character socket, but for pants i cannot do that, because they are animated, so the only way i’m seeing to pull this off is to create my character in modules (head piece, armor, arms, pants module). How can i accomplish this, or do you have a different approach on how to do this?