A good solution to this would be a base model of a male and female of every race somewhere in the Humanoids tab. The model would come with no preordained clothing set, just underwear, so you can spawn the armor you want them to wear. These models appearance options in the character sheet would contain all options available to their race/sex, just like in single player character creation.
I have found that if you take any character/creature from the available selection and apply the Human/Lizard/Dwarf/Elf form condition to them permanently (-1 turn duration), save them, then pull out the saved copy from the export section, they will be a underwear clad base model of that race. You can edit them to the extent of the single player character creator and equip armor that will show on them. Unfortunately, they are also bugged as invincible (with the exception of the torure assets for some reason), so you'd have to manually keep track of their health.
