How to handle the collision issues of a character interacting with another character?

For instance, let’s say I want one character to be able to put their finger up another character’s nose.

Or maybe I want to do something weird like attach a camera to food that goes in a character’s mouth and down the throat and the player gets to watch it slide into the stomach, I know these are some weird examples but they are just examples.

The obvious problem here is that if I am using physics assets for collisions, the whole head would normally have a collider of it’s own so the finger or food in this case would get stuck before it could enter the other character becasue of that, and i suppose it’d be possible to just make the collider for the head not cover the parts where the objects need to be able to enter, but that just creates new problems, because without collisions there’d just be a whole lot of clipping, and the nose wouldn’t be able to deform (assuming it has bones and such needed for that) from having something inserted into it. And the food, maybe you could put it in the mouth but it’d still just get stuck on the neck collider, or the chest collider.

So, how could I do something like this, how could i convincingly insert objects inside the holes in another character’s body? Is there any standardized or common way of doing this kind of thing?