In this case, again AFAIK, multiple entires is the only way. Yes, it clutters catalog, but it is what it is.
Other creators (one example:
YameteOuji) are doing it the same way (when it comes to different states).
You can only do as much with sim texture. For transparent or torn stuff you can use single entry with different alpha and normals.
Maybe, you can try different sim texture for more simple stuff. Like "off-shoulder" shirt Vs dressed.
But raising it (example from image above, state 3 Vs. state 1) might require some sim tricks (negative gravity and "sticky" sim texture).
Even then end result might look terrible when compared to using multiple entries.
Tbh I wouldn't worry too much about it.
EDIT: One example of sim texture switch that comes to mind is top from this resource:
hub.virtamate.com
It works on this example, but pulling it up could look less natural with "floating" gravity settings.
Edit2: clarification & typo