This is pretty straightforward. I have a character with black skin, and equipping Worn Cloth Armor gives her body white skin.
Here she is with the armor off:
![[Linked Image]](http://i.imgur.com/oEN9PMK.jpg)
And here she is with the armor on:
![[Linked Image]](http://i.imgur.com/GSo0mzJ.jpg)
This may just be a function of how armor is handled on the female player character model. The result is sort of problematic.