Hello! Sorry for the delay. Somehow the notif didn't make it to my inbox!

Anyway, there could be clothes in the homes, yes. They're basically abandoned, so all sorts of belongings are sitting around. Whether the clothes will fit or be appropriate is up to the player! There are also freshly stocked stores in town where characters are free to take what they need! No charge. No need to worry about money during their stay in Penance.

As for healing times-- they heal at a normal rate unless the character in question is killed, then they are revived and generally fully healed, if not feeling a bit worse for the wear.

I hope that helps!