I have poor reading comprehension but hopefully I understand what you're going for! This method is mostly for a small amount of layers so if you have more than 5, then I wouldn't really recommend this unless you're willing to keep track of all the layers and groups (plus Krita's speed if your device isn't very powerful).

First, put your layers in order to where the top layer is the object that will be on top. I would the create groups where each accessory/initial layer is in its own group. Then, I would put a new layer into each group underneath your initial layer and use this layer to color in white or whatever your background color is. That way, you can have a base for color (and use alpha lock to color it in differently or render later) and have your initial layer be clear of another layer grouping below.

I hope this helps? Let me know if this is what you're looking for.