Character Customization on Mobile?

[First off, this is in scripting because the solution wouldn't be limited to ios or android]

I'm planning a mobile RPG. I'm trying to figure out a strategy for customizable character graphics. Does anyone have any experience with this?

I've been thinking of doing a separate skinned mesh for all equipment and using script to attach the bones to the characters, but I don't know if I can duplicate bones and their submeshes for more than one copy of equipment. Could I proceedurally build a skeletal mesh of each equip piece? What would the steps be? Any thoughts appreciated.