about the character clipping: when you go into edit mode on the hoodie, on the left side where your layers are, above it somwhere you should see a small box saying "skin mask" and when you click it you should see a white body layer with a black top drawn on it. you can draw with black and white, all black areas of your body will become invisible, all white areas are visible. so if you draw with black on the areas where clipping happens, that would fix it without having to change your actual body skin