Only reason I'm using a collection is because the last time I dipped my toes in the CP2077 modding waters it went....poorly is the best I could say (would of been around 1.5ish time). So many crashes and errors it just wasn't funny. I know using a collection isn't going to be a silver bullet but I'm hopping things will settle down easier....
That's exactly what collections like WNC are for. It likely won't be 100% bug/crash free but it will likely be minimal. WNC has been around for four years and is still getting updated and is top pick on Nexus. There is generally a good reason for that, the collection has proven itself multiple times over. This is hundreds of hours invested into creating and updating a stable mod list. That's a lot of work off your plate. Despite not using it myself, I'd say it's most likely a very good choice if you want to spare yourself the hassle.
With that said, head on over to the creator's Discord and just do a search for key words. Stuff like "Atelier", "clothes/clothing", "character creator(or variations of)" and whatever else you can think of since this is what you're looking for. You're bound to find people looking for the exact same things you are. You'll see there and then if you can easily add what you're looking for.
A quick glance at WNC's current revision, I don't expect you'd run into trouble depending on what you want to get but the first step would still be to check the Discord. You may also get some good ideas for clothing/character creator right there.
Atelier is really the base framework for all things clothing so if you can get that to work then just do a search for "Atelier" in Nexus. You'll get hundreds of clothing mods. Re-arrange either by endorsements or unique downloads to see the most popular (and generally higher quality stuff) right there.
Do note that many of these will have different requirements. The base framework requirement will be Virtual Atelier but they may have other requirements that might not be compatible with WNC. If you want to be certain, refer to WNC's Discord. Just do a search on the Discord for whatever mod you're interested in, odds are someone already asked and if no one did, ask. Modding communities are generally very supportive.
As far as character creation options, I would suggest going into the mod categories menu on Nexus and then choose "Appearance". Again, sort by endorsements or unique download to get to the real popular stuff right off the bat. You'll get ... a LOT of mods there. Hair, eyes, tattoos, scars, cyberware, textures, etc... it's all there. Again, if you find something you are interested in, copy paste it into NWC Discord's search field. Chances are you'll find someone asking about it too. If you don't but you feel confident that it would be safe based on the other stuff you found, go ahead and try it. Vortex has gotten much better at handling CP2077 modding and, generally, a mod that adds something like tattoos, or a virtual store through atelier, can be removed safely (unless the mod page states otherwise) even mid playthrough. Removing frameworks or expansive mods is still a big no-no though.
As far as specific suggestions for clothes, I personally love Zenitex Virtual Atelier for a military/spec ops look and the only requirement you are missing is Virtual Atelier. Sorry for not providing more specific mods, I didn't use many clothing/character customization mods and Zenitex is the only one that comes to mind right away lol. All this modding talks makes me want to re-install CP2077
