Yes that is a very good idea the bandages being a skirt. Bandages around her hair with hair sticking out is also good. They probably did drill into her skull as well, causing chemical inbalance in her brain
. That short bandage skirt would also make her look kind of slutty, like a whore. Which would be good since she is a victim right...
I'm not so sure about the skin though, it might be scary not to see what is coming. But there are a few problems with super black skin. Shading is hard, since everything is suppose to be black one can't go from light to dark. One has to rely on specular lights, which means detail like...scars and muscles etc won't be noticed really in the diffuse texture.
I think also the fact that Amnesia is very dark and sometimes almost pitch black. That means almost nothing of the texture will be seen at times, it might be confusing for the player if he can't see the monster well. The contrast between the bandages and the dark skin also might look out of place I think.
There are a few other things one has to take into account, since your mod I suspect will take place in dark areas often inside a house...there is a reason most zombie like creatures and vampires etc are white. One gets a tan in the sun, spending a lot of time in darkness makes you turn white. Being pale also is a sign of being sick, being brown or black often means you have a good supply of D vitamin in you.
Also if the skin is suppose to be very dark the hair can't really be nothing but black either. This means at long distances the player will see nothing but a sillhouete of the character. It's not very often the player will be close to the monster. Sillhouetes aren't as scary as seeing the real thing. As I said there is a reason people often are pale in horror movies/games etc.
A black zombie or a black vampire/skeleton wouldn't be as scary as what colour they really have would they. Of course this doesn't mean the skin can't be dark. But I think pitch black or african black is a bit too much?
The contrast that is often seen in old horror movies or illustrations etc between black and white also brings forth horror. I mean how scary would the seventh seal be if the face of death was dark skinned and not white? How scary would Voldemort in Harry Potter be if he was dark skinned...
Hehe just had to post this image, but serioulsy don't you think there has to be a element of sickness in the character design? The thought of a invisble ninja has never scared me as much as the thought of a sick confused freak.
Other than the skin I think it's a perfect design, another thing don't you think to bring forth more of the sick side of the character one should show that she is mostly bald at least maybe at the front of her head. One might mistake the bandages for some kind of headgear and that she has plenty of nice hair underneath. I really like the thought of making a female Gollum. One never sees women potrayed like that in illustrations, probably because most illustrations are drawn by men. A female gollum would be awesome xD. Anyway here made another quick sketch of the changes in the design with the bandages at the back of the skull so one can see she has lost a lot of her hair?