No you got it right the first time, and are not stupid! That was really interesting information. It's very simple to overwrite existing files and I even did so to customize my Farmer's hair to a style closer to my own. What would be nice, would be the ability to create custom content, like new hairstyles/shirts, etc, that other players could use. In order for someone else to use my custom hairstyle, if they wanted, they'd have to use the entire hairstyle XNA I created that overwrites the one style.