How can i make game character?

i knew some workflow, but i still have some questions.
for example, when i want to create game character.
1, use metahuman.
2, use 3d model software for sculpt, retopu, and use md create cloth.
3, modular character, splice multi part, and create many part, cloth, etc.

so, my question is, when i try way 3, Can i custom base body of character? make tall character or short, when i do that, how the cloth match the base body? or i can’t change size only skin?

What you can do to the characters in your game, depends entirely on how the art assets were built.
If you buy art assets in the marketplace, then some of them support customization, and some don’t.
If you build them yourself in Maya or Blender or whatever, then you have to build them so they can do what it is you want them to do.

To make clothing match up if you use multiple layers, you have to build the clothing to match the skeleton and rigging and boundary rules that you’ve defined for your character art manual. This is quite advanced – generally, several modelers and a programmer or two will be dedicated full time to these kinds of systems in modern games, if you want it to look good, work well, and have more than two pieces of clothing to choose from. (You can get away with less, if you demand less.)

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for example, if i have two base character, One is very fat, One is very thin, Can they wear the same clothes? or must have two cloths for each other?

Yes, it’ll be far easier to have 2 different outfits. Yes, you could have one outfit and it’s resized for either character, but this will more than likely cause artefacts and unwanted effects like stretching textures.

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That depends entirely on how the art assets were built.
Yes, it is totally possible to build some clothing set that works like that.
It might even be possible to make it look good, depending on what your approach is (eg, texturing actual fabrics, vs painting the full look that stretches.)
But that’s all up to your skill as a character modeler, and how good you are working with rigging and blend shapes, and how good you are with materials and texturing.
Unreal doesn’t come with any clothing at all by default – you have to build it, or you have to buy it.

If you want to know whether a particular asset X from the Marketplace, or Metahuman, or some third party contractor, can work in the way you want, you should ask the maker of that particular asset how that asset works.

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