well AFAIK changing clothes is just taking the image files used for the crew and changing what they look like.
no one bothered with it because it can only be put into the game "wehen called for" and not just left like that.
as we joked about doing pearl in parkas sure looks silly
I don't remember where it is but IIRC its in the textures files but you have to dig to find them since there are a lot of files in there. you can even do the fishermen and hula dancers