Okay, so you want the whole body and then you know take off the limbs correct. so what I did is I took the model for the person with no head I then clicked the body group tab and set the head to none then I took the model of just the head then I opened up both the body tabs in the animation set editor and you will lock the items (ex bip_spine all other than root transform) just like a cosmetic and zeroed in the head.

Hey Im Confused How Do I Lock Them Both