Interchangeable clothes on a model

No.534904 ViewReplyOriginalReport
What is the best way to model clothes for a video game character for a RPG type, (where you are supposed to change your attire)?

How is the mesh supposed to be?

Do you make a naked body, and "dress" it with clothes over (layering the meshes) or do you separate parts (say a head, a torso, and legs) and remove the naked "torso" mesh to replace with a T-shirt mesh for example?