I've been thinking about this as well, but for different reasons. Say I'm in a tavern, and someone invites me to go adventuring with them for whatever reason. I wouldn't already be wearing armor and weapons in anticipation of this happening. My solution is running into a backroom (if it's on your ship, it'd be your cabin. if it was in an inn, it'd be a rented room or something), changing jobs or putting on armor, and returning. Other people will do different things, but I like to think no one can just transform outfits. If someone comes up with a good magical explanation I'd be open to it. As for my character though, who knows nothing about magic, I'll be changing in separate rooms.
