If you break out the Comfy Chair, I am so out of here.
The thing is, if anyone was to pioneer a standard format, it would likely be either the CZ folk or Viper, being the most coherent and consistent producers, from what I can get from flipping through the current collection and reading the boards. Someone has to be the first and the loudest.
There's always a solution for distributed storage. At the bottom end, there's getting some webspace somewhere to store the zip and then using CORAL (http://www.coralcdn.org/overview/) to cache the file in a distributed manner (so long as its under 50mb and you do less than 250gb of xfer a day which should not be too hard). There are online shared storage sites which would host it as well, and you could use them along with CORAL for the two-fisted solution.
And worst (or best) case, you could rent some web bandwidth off Pair or somesuch and create a parallel site to SteelBeasts.com devoted to maintaining a collection of mods for the consuming public -- the obvious drawback of such being it rus a few bucks, and we're all rather low-cost folk.
We do need some kind of better solution, however. As you note, the number of skins is huge and difficult to manage in general, from a pure storage position.
Hmmm, it occurs to me to wonder aloud if our gracious hosts would accept some other folk maintaining a directory / website on their server just for mods and such. Undoubtedly, between the lot of us there's enough web expertise to put together a decent site and then we could institute some kind of skin management system that works a bit better than what we have now.
No, my solution to every problem isn't "throw technology at it." Just, y'know, most problems.