Kelleytoons (1/26/2020)
You can do what you want -- just store the "hair" as an accessory (either don't weight it as hair or convert it to an accessory). Then when/if you want you can always combine two or more accessories (using the Modify menu) and then weight them as hair.
I do this all the time (not for women's hairstyles, but I have a number of pieces to construct the men's style I want).
Didn't think of that. Might use the top 5 Layers for hair parts. Thanks.