Yeh, so I would say don't 'model' the clothing into the mesh, but have it so you can just reskin it into anything you want - that has a human shape. Would make a boring mesh, but a highly-reskinnable one.
Of course, you could design the meshes the opposite way and add features to the mesh that can be removed by the end user. So, if you had put a backpack on it, a hat on its head, or something in its hand, etc; just make sure I can go into 'Deep Exploration' and simply hit a tick box and take that sucker off.
Of course, you could design the meshes the opposite way and add features to the mesh that can be removed by the end user. So, if you had put a backpack on it, a hat on its head, or something in its hand, etc; just make sure I can go into 'Deep Exploration' and simply hit a tick box and take that sucker off.