I would like to see there to be a reveal command. With it a player could attempt to reveal the identity of someone who is trying to hide it. The difficulty would be based on the item, like a helmet is harder than a the hood of a hoodie or a shroud. It would be a combat based maneuver because you are doing it against their will, so it could start a fight just like frisking can. Of course @trust would need a spot placement for it as well.
Instead of taking the item or actually stripping it from them, just have disguise skill fail if they succeed in pulling your hood off. Since the garment in entirety isn't being removed then worrying about item coverage or removing it from them isn't a real concern. Now something like a ZMI helmet would be damn near impossible to get off of someone without actually having to resort to combat or demanding it of the person and them complying.