Problem with mesh intersection

I ask this question on official forum, but havent received any reply.

In my application, the character wears different clothes (meshes). All clothing modeled on the exposed character. Therefore, there may be situations where, for example, a character in a bra is worn a jacket, meshes visually overlaps and bra visible under jacket.

As a workaround, I tried to determine whether the meshes intersect through Mesh.bounds.Intersects, and if they intersect - scale the upper mesh. I would like to automate the process to scale with a certain step, until meshes intersect (eg, via while loop). I tried to scale through while loop, this has led to a Unity crash. Apparently, due to an infinite loop. Then I picked up the optimal scaling factor, then rescaled up to a situation where the meshes are not visually overlap, and then checked again by Mesh.bounds.intersects. Function returned "true".

Now I use a fixed scaling factor for each clothing. But I want to automate the process of coefficient selection.

My questions are: 1. How mesh intersection through Mesh.bounds.Intersects is defined? 2. Are meshes intersect in my case, even if they visually not overlap? 3. If so, how do I identify only a visual mesh intersection to scale mesh in the loop with a certain step?