What's the best way for me to create character's clothes

I have skinned mesh character. And I want add to it customizable mesh clothes. But I don’t know what’s the most efficent way to create it - use new layered clothing, or animate cloth separately from character (make it skinned mesh too)? Or there exist any better way to make it?

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Shaping the original character mesh to look like wearing clothes around it and then just customizing textures to it should make other processes a lot easier. Or just using the base mesh and texturing that.

However for things like different hats, or if clothing will have different shapes then definitely make other meshes for it.