Hey!
Mulch is great as a top layer. It keeps the soil moist, as it is not exposed to direct sun, weeds have a hard time growing.
If you want to plant something in the mulch you just move it aside until you reach the soil and plant.
You don't necessarily have to wait for your green clippings to rot as you can use the same method as with mulch.

I would suggest taking a look at Paul Gautschi on youtube. He uses woodchips in his whole garden, and it looks great!

Take care!😺