Thanks for reaching out!
I currently do not take commissions anymore. I do not plan on doing so in the future.
As for my asset structure, I do have base body meshes I have made that I pull from when I start a new character. I do plan on releasing those base bodies for male and female in the future.
I usually just start with the base body and edit the body shape a bit, then I model the clothing details. Sometimes i do make the clothing mesh separate from the body and make a copy of the base and delete the extra faces under the clothes. It depends on the workflow of the character and planning ahead on what is needed. I usually think of the "base design" of the character then have to think about the clothing if it will be in a separate mesh / texture. I mainly just fit everything into one texture, but if there is multiple clothing options then it would make sense to have separate textures and copies of the "base design" with deleted faces underneath the clothes. For my characters I just design them with one design but toggle-able clothing and just make alternative texture recolors. It is possible for me to make multiple clothing options but I plan on doing that in the future with more modular characters.
For now I am working on a big To Do list, so I will have more to come.