Holy hell you took the words out of my mouth, you are amazing! I totally agree, I was severalry dissapointed by the full game's customizarion options. The full list of skins is just so... Messy, with so many Drakes cluttering up the screen.
I discovered a colour glitch! but sadly it only works for Co-Op adventure games you join in progess the glitch is really simple, if you want to be Chloe, Sully, Elena or Cutter in bright colours like bright green and pink for example, just make your hero skeleton those colours! (if you have one) The glitch works for any hero character but the skeletons have the best colours.