You can change your equipped clothes at any given moment by opening the “You” menu. This menu is inside your inventory.
You will need to open the in-game menu, navigate to the “Inventory” category, and then open the “You” tab. The icon for this tab is a person and it’s directly right of the “Belts” menu.
These are the controls to navigate the menus:
Xbox – Y to open, LT and RT to change categories, LB and RB to switch tabs.
PlayStation – Triangle to open, L2 and R2 to change categories, L1 and R1 to switch tabs.
Switch – X to open, ZL and ZR to change categories, L and R to switch tabs.
PC – Escape to open, 1 and 3 to change categories, Q and E to switch tabs. Of course, you can also just click on the icons with your mouse.