So i went and tried out a real basic setup of what im speaking of to try and make a "proof of concept".

I frapsed it, here it is:

Proof of concept

What i did whas to take that model and make 6 different meshes, variants of it, 3 meshes only of the legs with some basic deformation to them and 3 of the chest, on clicking a key i change the models of the entity of the chest or legs to the desired one while the entitities continue to animate, other than the bug of the first key press where the legs disapear wich i cant figure out why (but bear in mind that was an experiment done in under 5m), it works well.

So other than complicating the movement and animation script of the entities is there any other downside that im failling to spot?

On the bright side theres also pros that i did not plan for, for example by having diferent entities for diferent parts of the body of a single actor i can detect where in the actors body it's being hit very easily.

Please do comment if im failling to see something.

EDIT: Also why i did the human as basis first, is because im just starting with modeling and animation and most tutorials teach how to model nude humanoids. Was trying to use some free models first to get some scripts together, but was stuck with too many limitations on animations, and if im going to animate something might aswell get something done by me, and also as i want to code in clothes change i also want the possibility for the model to be undressed, hence that base mesh.