My bodyguard is so incompetent, by the time i am attacked, have swung my claws (khajiit) 6 times and executed the target, my follower has just then started walking slowly towards me with sword drawn
If you can deal with everything by yourself then maybe your character is just too powerful and he doesn't need a bodyguard?

My Raksha is somewhat vulnerable and I like her that way. Today I was returning alone from captivity (!@#$% Dark Brotherhood). Damn, how vulnerable I felt (and lonely too) and I actually got my tail handed to me by sabre cat... I cant kill sabre cat alone without some sort of terrain features to get cover.
But later that day we were traveling together and I got ambushed by a bear. This bear almost killed Raksha, I had to run for my life. And Khario actually got him off my tail and engaged with sword and shield. Jzargo and Shavari just zapped hell out of it and when I put myself together I helped with couple of arrows. Heh, once again Raksha was saved, thanks to her three dear cats

They don't need fancy AI to be useful to me.
fusroh:
EFF has some function which let you change outfits, but I've read somewhere that UFO has it done better. I don't know, because I just use CK and edit it there to my liking. That way I removed hood from Jzargo and changed Shavari's dress to something more appropriate.