Hey! I followed DarkCampainger's idea about the overlay references, and it worked great for what I was thinking, until I was messing around and relogged. The overlays are saved, and so when I reloaded I found they were bugged.. (Assuming the references were reloaded, and thus are incorrect because they now have the names.)
I'm thinking this may be something which can be worked around, but I'm not quite sure if it's worth going after, or if finding/creating a new way to display clothing and such is more beneficial.
Overlays just seem so buggy..