http://www.gamesas.com/topic/1391126-wipz-skyrim-script-extender-skse/page__st__60__p__21201827#entry21201827
So, great, right? I expected someone to jump right on this when I first saw this post, but it's months later and no one's actually made a mod that does this yet. Why not? It looks like it'd be easy for someone experienced with SKSE scripting. I personally don't know the first thing about modding or coding.
All it would really have to do is have some pre-defined meshes and textures that you'd replace with whatever you want, and then when you get into game, you just press a button and have those meshes and textures applied to your character instantly, replacing whatever you're wearing without actually losing the stats from the armor you currently have on.
Could someone code this?