q1: Well the hero is about the only creature in the game that actually wears clothes. Exept from the guards all npc have their clothes attached to their mesh.
But: Keshire has done some work on this: Look
here. The suits he's made are beta mods, so unfinished and they can cause your game to crash, if you don't install them correctly.
q2: I'm pretty sure that can be done. Can't tell you how just yet, I'd have to check it out...