There's a playable goblin mod out there, but it's in BETA and I'm not sure it's realeasd yet. But it looks to work very well, and you can wear all types of clothing and armor on them with no problems. Can't seem to find the thread atm.
Talkie's thread, right here:
http://www.gamesas.com/index.php?/topic/1081621-betawipz-playable-goblins/
Looking inot getting playable creature with possible clothing aswell. Its a much better way then scripting it all, you jsut swap the player skeleton with a modified creature one.