Its a while since I fooled around with skins, but if I remember correctly, all you need to do is alter the generic skins. I found the only real way to find out a change was working was to try it then see how it looked on my character.
IIRC you must rename the generic skin file to match your characters name and you must save the files as uncompressed .TGA files (I think!)
here is a link to the official Delphinesoft website where all the above is explained in more detail! Just follow the "skins" links. Also
this site has good info.
Hope this helps - have fun [img]graemlins/biglaugh.gif[/img]