This was a quick stab at the Ghost Army style from LotR.

At a weight of 1 it will lean towards giving armor, but also have more of that skeletal dead look. If you want it to adhere to clothing prompts better, go with 0.7-0.9. You'll lose the greenish hue and some of the skeletal features, but it'll still work.

It can work with people loras, just play around with the weights.

This doesn't require an activation word, but does well with ghost and skeletal.

I'm probably going to work on another version of this in the future.