one model multiple uvs

I have a basic mob, I have 3 different uv maps with three different colors to create 3 different mobs that have the same body but different skins. the question is do I need to load them 3 times or is there a way to use the model once and create prefabs with them. right now when I attempt to change the map on a template mob it changes the prefab also.

Create a duplicate of each model.
Duplicate the Material assigned also.
On each copy of the Material, assign each skin texture.
Assign the individual Material to each mob model.
Create Prefabs of each model.