Best way to load assets into game

Hello,

I’m working on an Avatar Editor and was wondering what the best method for loading the clothing/accesories would be.

Should I have all of the shirts and accesories already in Replicatedstorage and use content provider to preload all of them.

Or should I use InsertService to only insert the shirt/accesory when a player equips/is already wearing one?

Thank you,
SkoobiDoobiDoo