Hey there @Dismal-Image - I sincerely apologise that your thread was missed previously, and was not acknowledged until now.
Thank you for sharing this feedback with us regarding the cloak / hood of Eivor's disguise, and wishing for it to be independently toggled rather than an exclusive feature of the disguise.
I have passed forward your feedback to the developers that you would like this to be an option for cosmetic reasons as well as a feature of the disguise. Should we receive an update regarding this, we'll be sure to update players here on the forums in threads such as yours, as it has been a feedback topic raised a few times now, and is already on the team's radar!
With regard to your second request - transmog was introduced into the game in title update 1.2.0! You can read more about it in the patch notes here.
Thanks again, and I hope that you have been enjoying Assassin's Creed Valhalla! 