I am secretly hoping someone at Larian sees this and gives us the proper tools to export an animated/bone IK weighted mesh (armor/char models) into the editor... as you say, currently there is no way to do that, and this means a huge limitation for unique campaigns. Maybe we should ask Larian directly, per email?
I think I bit off a bit more than I can chew anyway with my mod idea... I am not a script guy really... I can barely get dialog and combat working. I hope at some point the community is going to offer "complete" script templates that we can just drop in and stuff works right. Without fiddling about, without guessing. (one can hope ;P)