Ok, this is not a major bug in that it is (i think) entirely cosmetic, but it is somewhat annoying, and i have been uunable to fix it myself.
I don't even remember exactly when it happened, i think i either died while leaving a mission area, or while in my kodiak (this was about 13.1 patch).
Anyhoo.. i was wearing a trenchcoat at the time, which disappeared (along with a belt and a couple NCU's) when i respawned. the problem is that my character has been stuck with the trench model since then (i.e. it always looks like i'm wearing a skirt). The colors/textures change to the appropriate armor or clothes, but the model stays the same. I have tried changing clothes, armor, coat, vehicle, backpack - everything i can think of, with no luck.
Anyone else have this problem?