Should I have multiple assets/mesh or just texture PNG/JPEG for change the fabric clothes?

I already have clothe object that has uv mapping , and one fabric-1 texture already set on that object , if I want to change fabric-2 which I want to choose on user interface, should I create another object mesh/asset for fabric-2 or I just need to changed the texture PNG/jpeg?

The 3D modeler told me that he had been set the normal color, roughness, ao, and tilling setting

Which is much easier and most efficient ?