Character dressing? -help

How am i supposed to animate a character dressing?
For example, if i want the character to put on a shirt? Should i create a layer that looks like the shirt and animate that layer frame by frame, until it looks like the shirt is on. And then do a cell swapp to a cell where he has the shirt on?

And also, do u recommend animating using bones or just rotating the different body parts? And if i use bones, should i still break the character up in all body parts? For example, even if i use bones, should i have one layer for the upper arm, and one for the lower arm, or should i just keep them together on the same layer?

I would reeeeeally appreciate getting these questions answered. :slight_smile: