I'm mostly worried about the face. I figure the rest of me will be covered by armor. Plus the NPC's look awful.
Its not quite that simple.
Before messing with faces (which is, as Striker intimated, a major pain in the butt, get your body's sorted out.
The easiest way to do this is to install
EVE Eycandy Variants Expansion for the HGEC female body, with several choices of upper and lower bodies, nude or with underwear, along with the complete stock clothing and armor replacer, and then Roberts Male for males, which...someone else will have to link to because for the life of me I can never find it when I need to link to it. Mostly because I don't do anything with male bodies myself, so I don't put much thought into them.
As for faces, there are a few mods that will make NPCs look better, though I'm not up on the exact state of many of them. I know TNR, Tamriel NPCs Reborn (Revamped? whatever) was a big one, and there is always the Xeo line, but then you have to mess with Modular Beautiful People, and thats way over your current skill level.
For the player, there are tons and tons of custom race mods available, I would suggest browsing the category and finding one you like.
Finally, I would suggest installing and learning how to use Wrye Bash and its BAIN installer, its intimidating at first, but eventually you WILL need it, and learning it now will make your life much easier down the road.