And now, for something completely different:  Neither.

I do not use clothing at all; I body paint all of my toons.  That is the only way I know I can adjust the bodies however I want and still get the "clothing" to fit.  The cheat of just making the outerwear look good without adjusting the figure underneath works okay for what it is, but I never like how thick any clothing looks regardless of how I scale the depth since it always seems to either flatten the whole thing or creates too much poke through.