Ignore the minor version number when checking for DRO v1 files

- There exist files where the first word of the version number for DRO v1
  files is not 0 but something else completely. (Maybe it's not actually a
  version number?) Assume they are valid v1 files as long as the second
  word is a 1.
Fixed: userinfo_t::SkinChanged() was unaware of player classes
Delay skin setting on save load until player class is known.

- Fixed: Loading players from savegames set the skin before their current
  class was retrieved, so they could not validate their skins with the
  correct class.