Unable to raycast properly with Skinned Meshes

I am attempting to make an FPS game, using skinned meshes for the player models. Unfortunately, skinned meshes do not have physics, meaning they don’t have collisions. This also means raycasts can’t hit them.
This really hinders an FPS if you can’t hit the player. The original mesh also has a large hitbox, meaning you can “hit” the player way far from the actual body. How can I fix this? Also, how could I attach things like tools to the skinned meshes hands?

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