Partial suspension hanging is when you still touch the ground I believe, full suspension is where you don't touch the ground.
Full suspension is typically way more reliable and harder to back out of, however it is harder to set up as you need a place that is high enough and will fully support your weight.
Partial suspension is less reliable and easier for SI to kick in making you back out, however it is easier to set up as you don't need a very high place nor somewhere that holds your entire weight.
When it comes to a rope: tied together clothes seems unreliable and I guess it would highly depend on the type of clothing and its elasticity, although of course I've never personally attempted this way so I may be wrong. Of course if it is an accessible option, buying a rope is much more reliable.