As already said before:

Why not use vmask? this handy bitmask allows you to hide certain meshgroups from a model.

Its a single model, but you can clip arms/head/legs independently laugh

MY Website with news of my projects:
(for example my current
Muliplayer Bomberman,
GenesisPrecompiler for LiteC
and TileMaster, an easy to use Tile editor)
Sparetime-Development