>>303567727
Have 1 texture for all your clothes to get file size down. According to VRchat perforamnce ranking, you can have 8 skinned meshes and 16 materials and be medium perf rank.(Note that this rank is not a good indicator of how performant your avatar is, but you won't be poor or very poor and hidden by default for those with safety settings.)
That should leave you with plenty of outfits on one avatar, while still being decently small file size wise.
You can make blendshapes to hide your body mesh like in pic related. But that might come back and bite you hard since blendshapes are the number one thing that seems to fuck up when it comes to Avatar creation.