Question about character clothing

When making a character that will eventually have different outfits and some cloth animation, is this the correct workflow?

-make the base model
-make the clothing on top of it
-rig both
-import in unreal and edit the clothing layers for cloth simulation

I’m a bit confused how i should aproach clothing. The base model is easy, but do i just make the clothing on top of it in a new layer or object, do i rig each of them seperately, can i do the together? Wint the clothing glitch off the character at some points in unreal, where do i put the other costumes. And can i apply cloth physics to each of them in unreal? Can i switch between costumes if they are in the same file in unreal, and make the rest invisible.