Hide skin under clothes

Hello, after hours of weight-painting i finally give up because theres always an animation in wich the skin clips through the clothes.

Now im using a opacity mask texture combined with my character skin, to mark the area to be invisible under the cloth.
Im wondering if its somehow possible to switch automatically between different opacity mask textures depending on the cloth i attach to the character.

Has anyone tryed this method and would share a solution?

Thanks in advantage