Easiest way for a NEW BACKGROUND that is not in the character folder is to open the image first, with Haptek player. Then add the full body girl, (The Haptek Console comes in handy) then the clothes (skin) you want to use.
However, if you want to use the new background within the Hal interface, it's best to put it in your character folder as "whateverback.jpg"
I should be about 400x400 pixels.
Of course, there are those here that know script, and have a better way.[

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As far as the clothes, I cannot make it work in Hal or Haptek without it being a skin.
For dress-up, I snap a photo of the body naked, open in paint shop pro, look for a suitable costume, and add it to the body, after removing the costume's background, and resizing it to fit the body.
Here is one I did like that:
