Changing character appearance is super easy, that part's not hard.
Having additional equipment sets is a /mess/. I know because a friend coded it for me for a class that I never finished making! it's possible, but... really complicated.
Thank you all, and especially astralInferno, that is the part I was sort of hoping darkgod had hidden away somewhere and I could just link into. I really are not a programmer nowadays, just a scripter. I shall have a look at the posessor.
I'm sort of considering a mix of bits of character code and a npc (gwelgoroth) as the default character .jpg, but with more and more thought i'm thinking on having it as a race and have it tied to the none class. Then I can put most of the character bits in the one .lua file.
I shall continue...