I've only really used it once, basically when you got to Advanced>Character>Character Tests>Test Male (Or Test Female) it loads up one of the default Avatars, which will mean you're wearing Noob Skin/Hair/Clothes but at least you wont be a cloud.
From this point you simply wear your shape/skin/hair/bald/etc and you'll be fully loaded again. It's worked for me in the only instance of me using it.