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Don't know if you'll ever get a definitive answer, as it would be out here somewhere already.
It will forever be in a grey area.
Swapping player models doesn't seem harmful, and probably isn't, but it's still editing game files. And if you edit player model, what else would you edit, and would those edits be considered harmless?
Found this but haven't really read it through https://forum.warmane.com/showthread.php?t=166145 hope it helps