Doesn't it depend on the type of offense? Or at least it should.
Dangerous play like a potential leg breaking challenge would be a red card even if there was then deemed to be an offside before it happened, whereas a handball like you say wouldn't. Removing the shirt if more like the former, at least in terms of disciplinary action - you can't do it, doesn't matter if the ball is in play (in fact, it isn't after players score).