I have already given the general advice about avoiding end loading and in deeded high level loading, and if that is followed you have the best chance of keeping proper control of the towed caravan.
Instability, when it happenes, will always be worse the faster you are travelling, so if you do encounter any contraindications about stability when towing, the first thing is to slow down gently to bring things back under full control, then when convenient (and safe) stop and try readjusting the load.
Clothing is difficult to generalise about because it depends on what specific items of clothing you are looking at. Some individual items are really light weight, and those will have no discernible effect on the caravans handling wherever they are stowed, but others can have a noticeable weight and perhaps more care should be exercised about where they are stowed.
Collectively all the clothes (including shoes and coats) that are carried may have a total weight of several tens of kilogrammes, and if they are all stowed in the same place, then yes they definitely would affect the caravans ultimate handling, but in reality, clothing is usually distributed between a limited number of locations in a caravan, so there is unlikely to be a very noticeable effect on the stability of a caravan, although the total weight may be noticeable to a very sensitive driver.
Using the designated wardrobe, draws and lockers for clothing should not really pose a problem for a well matched and loaded outfit, I would venture to suggest that if hanging the clothes in the wardrobe did cause the outfit to be troublesome, then even without the hanging clothes the outfit would be too close to instability for comfort or safety and it the whole loading strategy needs to be revisited.
Loading at the extremes of a caravan is best avoided if possible; but some extreme loading isn’t always a recipe for disaster as some contributors may imply it is.
Loading issues are never black and white, there are many (even more than even 50) shades of grey between best and worst cases.
The process of looking at just one type of item (e.g. Clothing, awning, food etc) at a time and following “best” approach should lead to a happy overall outcome, but it may not be making the best use of the caravans loading margin as a whole. So don’t be afraid to try some minor adjustments, but do it carefully over a few trips to see how far you can safely push the loading envelope.