The second problem is one noticeable only if you're playing a male. Part of the groin texture shows up on the hands due to overlapping UV maps. I managed to fix this myself, but it amazes me no one ever noticed before. I have a screenshot but I don't know if I can post it due to it being part of the groin. :rofl:
http://img28.imageshack.us/img28/6356/handafter.jpg is a shot of the fixed version anyway.