Importing Models

I am trying to add models to readyplayer.me, but when I correctly imported the shirt, it was missing its whole body. So i then realized I’d had to export the T-shirt with the rig and whole body mesh includeer. But I find it confusing as this would mean i’d have to skin the whole body mesh for every shirt, pants or other clothing i’d add to the character models. Is this truely the way it should be done, or am I missing something?