This cheat works for Hats, Button Shirts, Hoodies, Jackets, and Sweaters.

First go to merchandise and make sure you have at least 200 in cash, now pick out a shirt or Hoodie or whatever.

Press A, pick any option, and press start.

When at the receipt go to edit receipt and press X so the item is no longer filled in.

Now go to back to store and you should be at the option screen with your old top or hat on.

Switch the options at least once and then pick the one you want.

And there you have it, you will never pay for a gear waist up again!