ah ok thought you could do custom textures and import them into the game, thnx for the answer guys 
also one last question regarding the skinned mesh tool i know it doesn't have an animation but would it be ok if i were to make a test animation for it just to see if i rigged it right? or should i wait for Eham and voider to complete their FBX exporter that will come with both animations and skinned meshes?
you can add new keys in other frames and change positions to check rig so original positions of bones are always save in the first frame, thats how i am doing, used to it coz of second life skeleton being cranky lol
woulndt be a problem coz you always can delete those keys later and skeleton will always stay in the same position as it was by default. i hope i'm right 
i have a question too. so i couldnt find human male skeleton and tried to import human male body using elven skeleton and got weird rig like right arm rigged to bones other than left arm. why did that happen? i mean, skeletons for pc players are the same ( hierarchy, names, joint positions are different only)
and elven male meshes have different rig than other races do? ._.
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also i checked default rig and some vertices weighted strangely -

which is 1.001 all together. and it's rigged like that on head/body seam. So we always will have seam line visible there since we can't weight more than 1.000? how to fix it
or
is 0.00* (where * = 1-9) wont be noticeable? halp