(I'm thrilled to be able to tell you that this fix is obsolete as of NWN v1.66 beta 2. THEY FINALLY FIXED IT!!!) This corrects the 'no neck' look of female human and half-elf characters when they equip helmets by automatically switching to an altered helmet model of the same appearance that sits correctly. The standard model is used again when the helmet leaves the PC (it's dropped, given to another character, etc.). This works for PCs as of v1.0 and both PCs and NPCs as of v1.1
Requires NWN v1.59 through v1.65, without regard to whether SoU or HotU is installed.
Anyone having texture issues with v1.10 or earlier should download this current version.