Take this from a "noob", so it may be more of a question than an answer..
but I'm facing the same problem with a different approach: (I'll try to be brief).
First a couple of considerations (maybe superfluous):
-WAI nsfw is an extremely good and complete base, so, before using a Lora, always check if the character is already in the Checkpoint model, than force the original style by adding "anime screencap" for anime or "official art" for 3d. Also the character must be specified with the trigger word WAI uses (there should be a database on the Github page) example:
"Nico Robin" is fine, but Nami has to specified with the series :"Nami \(one piece\)" or "Nami_(one piece)" to get a realistic look.
This yet doesn't solve the "clothes issue".
- For WaiNsfw (at least in HD resolution 1024x1024 etc..) 20 to 24 steps are more than enough, after that either you waist time, or there is a further risk of mismatch.
- Lately a couple of addons/alternatives came up you might wanna try:
"wai-2Rectified-V140": a lora that "focuses" Wai allowing a quality consistent result even with Hyper or Lightning (4steps)
"animeScreenshotMerge_v32": a Checkpoint based on WAI but "specialized" in multiple characters display (didn't try it a lot, but seems to be pretty good).
"koronemixVpred" might also be worth a try, as the VPred Models are still in developement, but seem to be much more precise.
Now onto the method (not a solution but a different approach that may give insights):
Since I use Hyper 4steps (with Fooocus) I tend to use the "strenght in numbers" approach: so start with a basic prompt, than when found the desired overall look, fix the seed or put a high Guidance (>7) and start building up the prompt untill the desired result.
Now.. in Foocus it's a mess specially with different chars because the structure isn't "language logic":
subject/description/action/object/description/reaction/situation but more "situation/description/subject/object/description/action/reaction/details, so switching characters or prevent a mismatch means a prompt overhaul...
But in Forge the "Break" method should still work, you may wanna look into it. (not sure)
As for something close to a solution to your problem.. I'm afraid the only way is to switch to ComfiUI (or SwarmUI: basically the same but with a Forge interface for start) the only way to have a detailed control on separates Loras ..afaik.
[both + many others free, portable and offline capable with Stability Matrix, provided you have a 1TB SD drive to dedicate]
Than use Control.net models (CPDS) for direct posing or inpainting. Yet I can't give you specific directions because I like to "play casually" with AI.
I hope it can be of at least some help, and any further detail or explanation is most welcome to help me too.