Okay... for those who are looking to change a character's outfit for game play without changing their stats, I figured out the way to do it without using a mod editor and just the base game...
First, while in the game and in your PLAYER ROOM go to your CHARACTER MANAGEMENT tab and click on it...
Next, go to your GROUP EDITING button under "EDIT" and select the character that you wish to edit (NPC or yourself) and take them OUT of the group that they are in...
NOW... while still in the CHARACTER MANAGEMENT area, click on WOMAN (or MAN) CARD which will ask you if you want to go to the CHARACTER MAKEUP SCREEN, say OK and you are now transported into the CHARACTER DESIGNER...
SELECT the character that you wanted to edit their outfit and load them into the main screen... dress them the way that you wish to dress them (either of your own making or by using a PRE-CREATED OUTFIT CARD), once you've changed their OUTFIT (or make up, what-have-you) go to SAVE the character BACK into your CHARACTER LIBRARY... but INSTEAD of selecting "CREATE NEW", "OVERWRITE" or "DELETE"... instead select "SAVE (KEEP CARD)"!!
This will allow you to change the character's outfit AND keep their current progress that you've made with them in the game.
Exit out of the CHARACTER MAKEUP SCREEN which takes you back to the CHARACTER MANAGEMENT area, select GROUP EDITING again, select the character you just changed and add them BACK into the GROUP and you are done... character's outfit (or makeup/hair or whatever) you changed now shows up in the game...
Perfect if you are doing a progression setting or story with your character... having them dress as a slut as you work your "magic" on them or if you are just absolutely SICK of seeing the character dressed the same way, over and over and over again every time you want to bang them.
NOW... if we could get a kind MODDER who would create a predefined CHARACTER closet that you could create for the characters (like what they have for SHOWER or SLEEPING) that would rotate the character's outfits by random... (or draw from the outfit overlays)... that would be NICE!
(hint hint)
Hope that helps others!!