In the Bake list, there is Head, Upper, Lower, Eyes, Skirt, Hair, LeftArm, LeftLeg, Aux1, Aux2, and Aux3. We could use those for the animesh without changing the appearance of our avatar. Most people are using Head, Upper and Lower for their avatar these days... so the rest are unused.

However, that won't let you use no-mod layer-clothes as you'd need access to the texture themselves and apply it to the different bake slot channels.