I just started a new game on turn based mode, when you come back to life you are wearing clothes but can pick up some armor and weapons before heading up to the fight.
I switched to armor and then back to clothes and that caused my character to change her look, the hair became white, the skin color became either white or just very bright and my character got taller. I tried it a few times and it seemed to happen every 3rd or 4th time I switched to clothes.
I was unable to make the bug happen again after the boat fight or after reloading the game.