I would prefer it in character creation and to have a choice of garb and colours, because as of now I would likely download a mod to give me more visual choice and that's a shame that I would need a mod for something like that.

As to why in CC, we see from the intro video that you get "captured" in whatever garb you wore and don't lose it, rather ceramorphosis will likely "destroy" / get you to remove whatever you were wearing once transofrmed into a mindflayer.