Morloc
Arch Necromancer
Me too, but the problem is that this sort of clothing system has huge scaling problems. It has a multiplicative effect on what has to be created with each new model, what has to be updated and tested with each model change, and what has to be tested with each animation change.
If it's your job to add a poncho to the game, one that looks good, then you don't need to add one poncho. You need a poncho for each of the base game armor sets (of which there are 17 if you include "not wearing any"), and each of the premium atrocities (7 more). And double that to account for male and female versions. And multiply that by the number of hats (25) if the poncho has a hood and the hood doesn't just straight up delete the hat.
Have fun creating 1,200 ponchos. I hope you can meet your deadline.
Unless what you are after is the janky, laggy clipfest of "let the physics engine sort it out".
I'm fine with some items simply not being rendered.