Another thing-
The player has these things called "images" (this is where my terminology could get messed up here) that attach to a certain node/point on the body. The Head, body, right and left hands all have nodes which can host an image.
Problem with this, is that the player can only use 4 images at a time.
So the only way to get around this is to have multiple playermodels, all with differentiating clothing and accesorries.
Of course, that brings up the problem of wanting to update player animatons-
Simply have one huge model with everything on it, and then delete what you don't want, export, and that's one playermodel type. Keep doing that until you have your types.
The only thing against this is the fact that players might not be able to mix certain accessories.
Poll