because we spend SO much time without a helmet and armor on... seriously you cant see your face or skin color 99% of the game so why would they spend resource time and money on such a vain dress up barbi option? Dying armor and such is again sims / barbi options that just take up more texture memory.
the only thing that I would consider as a real option would have been day and night phases, with night traveling being more dangerous, but then again the game is being played in real time so how many day / night transitions would there be?
What Divinity 2 should have had was more publicity, the game is a hidden gem imo. I personally stumbled onto it over steam and didnt ever expect it would be so good.
PS load screens are fine for a game like this considering the sheer size of the zones and how quick the load time is.