I was having trouble understaning the color codes in npc_color_palette.xtbl but after some experimenting it appears to be a ratio between 0 and 1 to the equivalent 0 to 255 RGB values used for the 3 color channels.
Eg.
Red=0.313989
Green=0.337164
Blue=0.351533
The RGB value for the above red would be 0.313989 x 255 = 80.067 and ignore the decimal portion so it becomes 80.
To get an RGB value into this format just divide by 255 (RGB 80 / 255 = 0.3137)
Be aware the colors ingame may differ in brightness to what you may expect which depends on stuff (normal mappings and textures I'm no expert) used in the models.
On a side note its possible to create your own color pallettes in npc_color_palette.xtbl and use them in character.xtbl for example. Also a defined palette can have multiple sets of colors defined see "NPC_Ho_Palette" which has close to 30 sets defined the system chooses one at random when required.
Eg.
Red=0.313989
Green=0.337164
Blue=0.351533
The RGB value for the above red would be 0.313989 x 255 = 80.067 and ignore the decimal portion so it becomes 80.
To get an RGB value into this format just divide by 255 (RGB 80 / 255 = 0.3137)
Be aware the colors ingame may differ in brightness to what you may expect which depends on stuff (normal mappings and textures I'm no expert) used in the models.
On a side note its possible to create your own color pallettes in npc_color_palette.xtbl and use them in character.xtbl for example. Also a defined palette can have multiple sets of colors defined see "NPC_Ho_Palette" which has close to 30 sets defined the system chooses one at random when required.