How about the bandit skin is an optional play style per character? If you choose to wear it for a character, your humanity will not decrease from the current amount as long as you wear the optional skin. However, if you're a survivor, your humanity acts like normal, and once it reaches a certain level you change into a completely different bandit skin. Upon death your humanity will return to JUST above the bandit border for a "benefit of the doubt" scenario EDIT: As a side bonus of this optional style, you can allow a larger "self defense" buffer between being a survivor and bandit.
