Modular Pawn

class AMyCharacter : public AMyCharacter
{
    GENERATED_UCLASS_BODY()

    /** 
     *  The skeletal mesh used for the body.
     *  Mesh (inherited from ACharacter) will act as characters head.
     */
    UPROPERTY(Category=Character, VisibleAnywhere, BlueprintReadOnly)
    TSubobjectPtr<class USkeletalMeshComponent> Body;

    /**
     *  Name of the BodyComponentName.
     *  Use this name if you want to prevent creation of the component (with PCIP.DoNotCreateDefaultSubobject).
     */
    static FName BodyComponentName;

    /** 
     *  The skeletal mesh used for the legs.
     *  Mesh (inherited from ACharacter) will act as characters head.
     */
    UPROPERTY(Category=Character, VisibleAnywhere, BlueprintReadOnly)
    TSubobjectPtr<class USkeletalMeshComponent> Legs;

    /**
     *  Name of the BodyComponentName.
     *  Use this name if you want to prevent creation of the component (with PCIP.DoNotCreateDefaultSubobject).
     */
    static FName LegsComponentName;
}

FName AMyCharacter::BodyComponentName(TEXT("CharacterBody0"));
FName AMyCharacter::LegsComponentName(TEXT("CharacterLegs0"));

AMyCharacter::AMyCharacter(const class FPostConstructInitializeProperties& PCIP)
    : Super(PCIP)
{
    static FName CollisionProfileName(TEXT("IgnoreOnlyPawn"));
    
    Body = PCIP.CreateOptionalDefaultSubobject<USkeletalMeshComponent>(this, AMyCharacter::BodyComponentName);
    if (Body)
    {
        Body->AlwaysLoadOnClient = true;
        Body->AlwaysLoadOnServer = true;
        Body->bOwnerNoSee = false;
        Body->MeshComponentUpdateFlag = EMeshComponentUpdateFlag::AlwaysTickPose;
        Body->bCastDynamicShadow = true;
        Body->PrimaryComponentTick.TickGroup = TG_PrePhysics;
        Body->bChartDistanceFactor = true;
        Body->SetCollisionProfileName(CollisionProfileName);
        Body->bGenerateOverlapEvents = false;

        // Mesh acts as the head, as well as the parent for both animation and attachment.
        Body->AttachParent = Mesh;
        Body->SetMasterPoseComponent(Mesh);

        Components.Add(Body);
    }

    Legs = PCIP.CreateOptionalDefaultSubobject<USkeletalMeshComponent>(this, AMyCharacter::LegsComponentName);
    if (Legs)
    {
        Legs->AlwaysLoadOnClient = true;
        Legs->AlwaysLoadOnServer = true;
        Legs->bOwnerNoSee = false;
        Legs->MeshComponentUpdateFlag = EMeshComponentUpdateFlag::AlwaysTickPose;
        Legs->bCastDynamicShadow = true;
        Legs->PrimaryComponentTick.TickGroup = TG_PrePhysics;
        Legs->bChartDistanceFactor = true;
        Legs->SetCollisionProfileName(CollisionProfileName);
        Legs->bGenerateOverlapEvents = false;

        // Mesh acts as the head, as well as the parent for both animation and attachment.
        Legs->AttachParent = Mesh;
        Legs->SetMasterPoseComponent(Mesh);

        Components.Add(Legs);
    }
}