for the clothing just add more tables to the users header, like head, top, bottom, hand, feet etc
Then when they buy a new hat or something and wear it just update the head to the item ID
In the viewuser page just have, (vague example)
Put this in dreamweaver and see what it looks like
if (head > 0)
{
print '<table width="500" height="300" border="0" cellpadding="0" cellspacing="0">
<tr>
<td width="75" height="100" colspan="3"><div align="center"><img src="item1.png" width="75" height="100" alt="head"/></div></td>
</tr>
<tr>
<td height="125" colspan="3" valign="bottom"><div align="center"><img src="item2.png" alt="left" width="50" height="75"/><img src="item4.png" alt="top" width="150" height="125"/><img src="item3.png" alt="right" width="50" height="75"/>
</div>
</td>
</tr>
<tr>
<td height="175" colspan="3"><div align="center"><img src="item5.png" width="75" height="175" alt=""/></div></td>
</tr>
<tr>
<td height="50" colspan="3"><div align="center"><img src="item6.png" width="125" height="50" alt="feet"/></div></td>
</tr>
</table>';