Best Practice for Implementing Wearable Objects in Mobile Game

Hello all!

I've made a 3D character for my 3D Mobile game. I will also be making other 3D objects as wearables that a player can purchase to place on the game character (hats/scarves/shirts etc.).

What is the best practice for implementing this in a Unity Mobile 3D game?

At this point, I can only think of two ways to do this: 1. Include all of the hats/scarves/shirts etc. as objects that are already on the character (children of certain bones) but set all of them to Inactive. Then when the player purchases a certain item, that item becomes Active. 2. Make all the hats/scarves/shirts etc. as prefabs. Then when the player purchases a certain item, that item prefab gets instantiated to the correct location, and becomes a child of the correct bone.

Are there any other methods that can better accomplish what I'm trying to do? If not, then which of the two methods would be better? By "better", I mean more efficient and less resource intensive.

Thanks for the help!