Replace materials actuator

So I know there’s no such thing but is there a way to pull this off in Python perhaps? If you had a character with pants and a shirt and u wanted to change the shirt without changing the pants how would u go about this?

Make a separate mesh object and use the replace mesh object.

that would cause major tearing on my mesh though wouldn’t it?

I would make the cloth meshs as separate objects anyway. That makes it much easier to replace them (with or without the BGE).