Good evening.
Thank you for using the plugin.
When you say "overlay option", do you mean the "Lock" system?
Otherwise, ignore the following.
The current version of PresetLoader removes all clothing once before loading the ClothingPreset, and it seems that Lock is also removed at that time. If you turn on Lock after putting on the locked clothing again, and then load the ClothingPreset, the new ClothingPreset will be applied while the locked clothing remains. However, I forget what the plug-in is doing, so I think it will take some time to update.