How are you defining 'essential'? Stuff that pretty much every person in real life would own and wear on a near-daily basis (or every historical everyday person, or fictional everyday person), stuff that magazines and the media would like you to think that every person (except those you actually know) owns and wears on a daily basis, stuff that will match with what generally gets packaged as 'essential' in various 3d model stores, or stuff that will sell to the widest possible number of people because everybody uses that sort of thing at some point? Some of those are likely to overlap, of course.
If a male figure came with (conforming) a pair of jeans, a t-shirt, a long-sleeved collared but open-neck shirt (or a polo shirt), a sweater, a pair of chunky sneakers, sports socks, smart pants, smart shoes, smart socks, shirt with tie and a smart jacket, generic medieval/fantasy knee-length boots, plain pants/hose, generic medieval/fantasy tunic and belt, easily-textured bodysuit with generic-superhero gloves, boots and hood/mask, that would cover most of my bases and allow for a lot of kitbashing and flexibility.
I prefer conforming for my basics; dynamics are great and are really the only way to do some things well but they do take longer to set up and work better for scenes with only one or two main figures.
For female essentials... I'll go away grumbling about the ingrained cultural bias in the way that women are portrayed regardless of what women are actually like. You're trying to sell stuff. If real-female-people clothes for 3d models sold well, there'd be more out there.