Modeling: Clothes or no Clothes
 

I was wondering what the best workflow would be for making an animatable model. Should I model the body and then add the clothes after or only model the part of the body that is visible. I'm currenty doing the simply maya tutorial on the GI character and the technique he's using is that he models the clothes first and then adds the parts of the body that are visible.
http://www.simplymaya.com/movie_page...tml?tut_id=125

I plan on animating my model and I was wondering if this would cause rigging and weighting problems later on.

typically, I only model what I need to and is visible.