..a slightly different method:
Start the game (or any module like Vordan's Hero Maker).
"Export" your 1st level no-experience character (..or save it with experience if you want - say perhaps to void the level penalties for certain races).
Go into the toolset and make your own armor with about any look you want.
sko's toolset guide
Start that "toolset module" and pick up the armor and export your character again.
Start the game with that latest "exported" character.