Can I change my clothes or am I stuck in this horrible grey-and-purple suit?

Solution 1:

You can only mess around with extended clothing options in the Initiation Station before the start of the game. If you decide not to download a character from the website that had these options available, you won't be able to change your clothes or do further customization like tattoos until you head to the relevant store ingame.

• You can purchase new clothes at Planet Saints, Leather & Lace, and Let's Pretend
• You can purchase new tattoos at Rusty's Needle
• You can purchase new piercings at Nobody Loves Me (as well as a small selection of clothing)
• You can adjust your character's base appearance (gender/body/face/hair/etc.) at Image As Designed