I dont understand what you mean by geometric clothing.
What i am thinking is now taking the base mesh of a human, and make clothes from him, so i duplicate faces and change those to be clothes, seen that in a couple of tutorials about blender wich im using, what i was thinking is like you are saying using one master animation and using that animation on all meshes so that they all match with the character, i actually also thought about doing something of a textute trick and just swap those, but for example between a shirt, a dress and a breastplate i don't see how that could be done effectively without changing the underlying mesh.

So, is there any reason why splitting the main mesh into different parts of the body say, breast, legs, feet, head, etc. all with the animation and deformation of a single mesh and only cut when its all final, any reason why it wouldnt work? I know i know little about all this im just trying to figure stuff out and i apreciate all the answers.