Ok, to your first question: This happens because your client has not yet downloaded the armour data, so it displays the starter amour by default.
To your second question: Firstly, is it transferring any data? What does it say in the bottom left corner? If it says connecting, then you probably have a game/connection related issue.
If it says downloading/decompressing, then you most likely have a large update to install. The best way to fix this is to right click your guild wars shortcut, select properties and add -image after the target adress. Then open the shortcut and leave it running overnight. This will make the game download and install all updates and then quit. Once this is done, change the shortcut back.
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