As you may know from experience or simple logic, during a fight where even blinking can kill you, changing clothes is highly fatal and takes hundreds or even thousands of time units to accomplish, time in which the enemy will gladly chop you up dead.
This guide aims to teach you how to do that with almost zero effort and danger.

The things you will need are:

• 10 coins or random loot worth 20 coins;

That is it... really.

Now that you have the money (or loot), you simply find a merchant that sells clothing and buy yourself an extra pair of the cheapest you can find, which is the reason for the 10 coins.

Now that you have the clothing, find a random innocent and change clothes during the fight.

That apparently counts.