You have good eyes.

Another way, if you want to mod the game's art would be to pixel-edit out the limbs (as in, erase the clothing and leave just the limbs) and use that as a masking template in Photoshop.
it'll be tedious, but once you do it the first time, the mask will do the hard work for you for any other villagers with similar outfits. It might not be perfect, but it's a place to start.
The part I emphasized in your quote is what I had hoped to avoid! LOL!

I'm pretty good with photoshop so I know I can do it. I was just hoping there was something already available to save me the time. Why reinvent the wheel when it's already invented?
However, I can fully appreciate that there is a lot more to making the villagers than just using Photoshop. So I'll make my mods when I feel like it. Sometimes I just enjoy working on something that's somewhat mindless (erasing pixels), but still enjoyable (making new outfits).
