Yep! I had intended to follow up my question with a suggestion, but forgot to, so here goes.

I had given a little bit of thought as to how an adjustable pose would be possible, but I don’t know how well it would work in practicality. Maybe some clothes could replace the torso entirely? For example; with a shirt that didn’t cover the entire chest, the shirt could have a skin texture covering the base body.
If it were possible to lay down a field of transparency that makes all the layers below it transparent as well, that would solve the upper layers not completely covering the lower layers.
Alternatively (or in addition), the head could be replaceable.

Both of these ideas (assuming you interpreted my jumble of words correctly) would probably require cutting the body into sections though, so not sure how that would work.

Would something like this be possible?