I'm a little confused.

Are you saying that you have Michael 3 and some Michael 3 clothing and you want the clothing already on Michael when you load Michael into the scene?

If that is the case, then just load Michael, add the clothing and conform it to Michael, and then save Michael with all of his clothing back to the Figure's library.

"It is good to see ourselves as others see us. Try as we may, we are never
able to know ourselves fully as we are, especially the evil side of us.
This we can do only if we are not angry with our critics but will take in good
heart whatever they might have to say." - Ghandi