Hi!
I made a really long tutorial on how I swap rigged and animated prefabs on and off my avatar in my game. I know this is not the most efficient way to do this, but it works well in my project.
Enjoy!
-Jill
I have the code available on my blog:
https://rogueduckstudiosblog.wordpress.com/2017/05/30/unity-character-customization-in-a-multiplayer-networked-game/