Best practice with cloning a character with different variations of clothing

If you use palette textures or use small enough painted textures that can fit into an atlas, you can as well merge all meshes into one. (1 draw call!) Not sure about performance when dynamically changing equpiment (instead of once at startup).

Also beware: do make stress tests. Can you get high enough FPS with the max number of characters? If not, you might need VATs.

I have used this as a baseline: Loading character with animations to scene and cloning it with animation groups - #9 by Panuchka