It will depend a bit on the kind of clothing you want your model to have. If it’s something loose and flowy like a robe or cape, the cloth sim might save you a lot of work. If it’s something more fitting like jeans and a t-shirt I would just model it and parent it to your rig, then you can spend a little time doing some fine tune sculpting once you hit your pose. There are several good courses on the site that cover clothing though. Check out Modeling a Stylized Character, Kent’s Modeling Realistic Characters course, and the Art of Sculpting has a sculpting fabric chapter.
