There is no need to compare, just get all cloths, the stats stacks so there is no loss .. If your problem is resources to buy then find ways, saving your coupons and avoiding unnecessary spending can lead you to what you aim ..

Both stats are important peoples, it only depends now on the people who will use it .. There are some situations that may happen,

1. A player that has More Initiative but his damage is low. (but if the ninjas used was some sort of debuffing ninja, then it can have some advantage)

2. A player that has more Nin or Atk but his initiative is low. (he has high damage but cannot do any move because of his poor initiative that made his ninjas controlled)

3. A player that has more Initiative and have enough power to inflict good amount of damage (but if the ninjas used can be easily put under debuff status then it is disadvantage)

and so on and so forth .. I can't understand why people always compare things like this, also saying that this main is weak and this one is strong .. there is nothing to compare at all in my opinion, but hey, it will be boring if there's no conversation to talk to so, just go on :D .. wahahahahahahahaaha .. ..

The clothing stats stacks even though you didn't transform into it .. As long as you have it synthesized in your Clothing Interface then your good ..