Is this the best way to implement a modular cloth/armor system?

I’m currently implementing a modular cloth/armor system for multiple models all using the same skeleton.
I have followed the method of splitting the skeletal mesh into “top” and “bottom” and then attaching a top cloth and bottom cloth skeletal mesh using the “Set Master Pose Component”.

I was getting clipping between body and cloth, so I went into Maya and copied the skin weights from “body” to “cloth” skeleton. As you can see in the attached image, it still has patches.

Not sure what I’m doing wrong and if there’s any better way to speed up the workflow?
Any help is appreciated!