3d model clothing programming

In games this is mostly done by creating different models, like some new pants, which are skinned to the same skeleton.
You basically update the transformations of the bones of the character representing the pants with the main skeleton's transformations for those same bones.
And you then render a collection of these clothing items.

Often a higher level system is built on top of that, to determine which clothing items are overlapping others, so that they can be removed.
For example a t-shirt below a jacket might not be visible as you only see the jacket.

So basically its very simple, just copying over the bone transformations of the main character to the same bones in the clothing items.

Of course you can go more complex as well, if you want to prevent specific triangles in some pants penetrating the boots the character is wearing.
So you could also introduce clip planes to clip the pants mesh so they dont go through the boots, etc. But 99% of the games don't do such thing

So to summarize, you do this:

1.) Update main skeleton, which has no meshes, or just a naked body.
2.) For all clothing items, copy the bone transforms of the main skeleton to the specific clothing item
3.) Render all clothing items using those new transformation matrices for their bones.

Awesome!

Thanks for your reply!

Sounds like a reasonable approach!
I'll try this!