As for the outfits? Rey basically has three different outfits: the Desert scavenger/headwraps, the basic Rey outfit, and the Resistance outfit. That's really not all that different from Finn, who also has three outfits, two of which are slight variations.
Not really. Saying Rey with and without headwraps is two different outfits is like saying Finn in Stormtrooper armor with and without his helmet are two different outfits. While the black jumpsuit is consistent, there's a lot more to work with across what Finn wears vs. Rey.
(http://i243.photobucket.com/albums/ff43/jman5544/Misc/Rey_zpshevqgre5.jpg) (http://s243.photobucket.com/user/jman5544/media/Misc/Rey_zpshevqgre5.jpg.html) (http://i243.photobucket.com/albums/ff43/jman5544/Misc/Finn_zps5by0u0lp.jpg) (http://s243.photobucket.com/user/jman5544/media/Misc/Finn_zps5by0u0lp.jpg.html)