We need the option to disable cosmetics.

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As a Bard, this is not at all true. I need to know what buffs to put up when the fight starts, or even as someone is approaching before I'm attacked. This varies entirely based on the type of enemy stats and playstyle that I'm about to encounter. If I can be deceived about your playstyle based on cosmetics, I am at a meaningful disadvantage. I don't get an extra time-out to change my buffs once I've realized you're not what your costume implies. I have to commit to something up front, and there's a meaningful cost to being wrong.