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I have just experimented with making the M3 and Clothing parts invisible, which has worked for me 99% of the time apart from the only problem being the hand, which now has a gap where the shirt or forearm should be, so out of all of your suggestions Acadia, what do you think would be the best solution to fix this?

 

I'm not Acadia, but what I do in those circumstances is make multiple renders and fix them in postwork. Render it once with the poke-through, and then render an area render of the wrist area with the arm (and shirt) invisible. Composit them in postwork.