/3/ - 3DCG

Couldn't find a /beg/ so I assume this is the right place to make /beg/ tier questions. I'm modelling a character, said character wears a skirt. Which of these three should I be doing?
I - Skirt connected to waist, legs are still part of the body.
II - Skirt is a separate mesh, legs are still part of the body.
III- Skirt may or may not be a separate mesh but the legs aren't part of the body.
If it matters, I've done the donut tutorial, the chair tutorial and made a few simple objects of my own but this is my first attempt at a character so I don't even have a workflow yet. I just want to make sure I don't shoot myself in the foot with a bad decision right now for when I get to the later stages like texturing, rigging and animating.