Two simple questions about making human models

Hello people.

I have been working on my first human model for some time now, and I have managed to get the head + neck + little part of chest done... I just started wondering, should I do a naked version of the model first and then later make clothes on him/her? (The model will be in some sort of fantasy/medieval game so the clothes will be mostly just armour and other stuff)

Another thing I am wondering: Should I make the clothes to be attached to the model itself so they would be a part of it, or should they be their own model?

I was thinking it could be more "realistic" if the clothes weren't attached to the model but is it just my foolishness?

see at here:
https://shop.3dtotal.com/product_info.ph...f85i8qdc1jcbn72
https://shop.3dtotal.com/product_info.ph...f85i8qdc1jcbn72
https://shop.3dtotal.com/product_info.ph...f85i8qdc1jcbn72

or many tutorials:
http://3dtotal.com/pages/tutorials/tutorialsoverviews.php

Exactly what I needed... Great step by step guides to create a model from nothing, thank you very much!

Danke!