Yeah some mods just add data files that the game accesses when you play, but others create a whole new game launcher. There might be ways to incorporate them both, but again that might be a question for the modders themselves.
As for dropping armour: http://www.nma-fallout.com/forum/dload.php?action=file&file_id=167
I've never used that mod but it's the only one I've found so far. It's vote rating isn't amazing, so I don't know what might be wrong with it that it didn't warrant an 8+, but I guess it's better than nothing