Hmm... can't edit posts?
Anyways after pondering the above for a while I now think disguise needn't be that complex at all... the really interesting part is just staying unrecognized by the NPC's that don't know you yet. So we would need a disguise mode that works with putting on a disguise and perhaps a »mind fog« spell like I mentioned. Disguise could probably also keep you unrecognized if you used it for stealing, but the PC could be recgnized as the person who solved a quest even if disguised – we can blame diviners for that. Or maybe some sortof spell that reveals facts about "important events" of the past few days in the surrounding area could be fairly common?