I,ve made about 6... 5to 6 minute music videos now, and it does take some time, but here is something that helps me with some time giving the scenerio of scenes. Build your scene and your camera angles, etc and save it. then delete everything but the closer actor"leaving main camera where it is. then save under a new name like phase 1. Next reload the original, followed by deleting the phase1 character only leaving another portion of the original build. Now you said you had final cut... I've read a lot about it, but never used it, yet I think it will do like my Adobe After effects.. "allowing you to work in layers." bring in the backdrop, followed by your various phases to complete your video segments. Please note: Back in the days of yeaster year, clear cells layed upon more cells of animation to complete the cartoons we use to watch as kids. Kind of funny, but a lot of animation is still done this way. I hope this helps some what. Adobe premiere is also a must for me. for segment placing and music alignment to previous audio video work done in Adobe After effects/ Final cut.      Goop
ps. if you do layers for after effects, don't forget the background... I use key removal of color... built into after effects. Also turn everything up on video... antiliasing is the killer... thats what slows ya down, but ya need it. The time is worth it... the quality is bad compared. Test render without it, then without touching anything turn it on and render over the render and watch the improvement.