I have to agree here.
There needs to be an option, defaulted to on, which says “Do not load custom textures” I’d personally be saddened to see this game’s great graphic style (like TF2’s) turn to garbage by the possibility of god-awful skins being supported. As long as we had a safe check in place like this, supporting such skins would be fine, since they would not modify what I see on my screen.
I adored TF2’s art style. It has been made shallow and unattractive by the plethora of ill-designed items for it. That’s just my own personal opinion, but I often wonder if the TF2 environmental artists are spinning in their seats with frustration at what all their hard work has turned into.