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As for the shirtless thing, is this when you open the bandits in bandit creator for the first time? If so, it's a bandit creator/project zomboid issue trying to render all 60 bandits at the same time. If you back out to the menu again then enter again they should be fully dressed. Unless you're talking about them having the open shirt with nothing underneath.
Would you be willing to activate one and add one after another until the issue arises? Be sure to remove any non-essential mods for this.