Which clone should I use?

My hijab mesh is down to the belly.

TS4 hijab is only down to the neck.

I'm using the nude model from head to the bottom for weight transfer.
My affected bones are from all around the head down to the pelvis.

Meanwhile TS4 hijab only down to the spine_1 and no breast bones.

I thought, hemm maybe I can use a hoodie, but hoodies in the top category don't use the hood, so, the affected bones must be different.
Hoodies that use the hood only in the clothing body category, but it's the whole body, so... the affected bones must be also different.

Then which cloth can I use for cloning?

Or maybe I should divide it into hat + top (combining the lower hijab to a certain top.... a transparent top, a top that can be on top of another top... -_-)?