Roger --
Good question. El has the storage area under the forward seat of the dinette. She uses net storage bags of different colors -- blue for cold weather clothes, red for warm weather clothes, and white for underwear. As a generality, she has three of each 'essential' article of daily clothes -- one she wears, one is ready for the wash, and the third is 'in-the-wings' for next-use. In summer, her warm weather bag is pretty full, and cold gear is minimal -- vice versa for season change. Spring/fall are the hardest seasons. Now this sounds very organized, and as you probably know, we ain't that organized -- but it's the goal. When we add clothes to the boat, over what is the 'essential,' we like to remind each other "one in, one out."
I have the storage under the aft dinette seat -- over the water tank. I just dump in a my 'three changes' and root around when changing.
Out -of-season clothes are stored in their own bags in the 'attic' -- the back seat of our truck. We periodically rotate through them as needed.
Sometimes, during seasonal change, we put extra 'winter' clothes in a dry bag and lash it into the cockpit.
Now, to get a little more personal -- we find (for us) that shirts, pants, jackets, don't require daily changes or washing (under normal conditions). Underwear and socks, that we do like to change daily, are light-weight and small -- we carry lots of such stuff in our storage areas and they take up little room and keep us 'clean.'
Of course, we use the laundry in the marina whenever possible -- we prefer the anchor, but when we come in for supplies, fuel/water, etc. there's usually a laundry.
We sometimes have guests aboard -- like kids and grandkids -- for days -- we warn them about storage space and the '3 of each essential' idea -- we pack their clothes in dry bags lashed in the cockpit. We have three coming aboard with us on Powell -- they know that the clothes for each individual must fit into a pillow case or the excess is on the dock.
It has worked for us for years -- we both usually have excess storage room in our clothes areas.
Now, of course, that brings up another question -- what do you do with the things YOU store in those under-seat areas right now??
So, Roger, you can see why El and I usually respond to the site postings about the addition of generators, t.v. sets, microwave ovens, hot tubs, etc. onto a 22' C-Dory with the response, "simplify, simplify, simplify." Less is usually better, once you define the difference between 'needs' and 'wants.' Of course, everything is different if you use the boat for a day cruise, just fishing for a few days, a short cruise, or whatever.