Two or more textures upon one character

I would do a mesh with its own material for the head, a mesh for the torso, and a mesh for the legs, and then you would switch out the materials for those. I’m not sure how they do it in the football games, performance might not be an issue with all of the players having different torso materials and head materials, or they might figure out a way to create a single material that they could then change the jersey number/colors/logos for.