I think 48 skins is very generous. VERY generous. Look at it this way - that's nearly 24MB bandwidth you're using on the LFS server, and if everybody used all of their capacity (it was said not so long ago that there's over 20,000 S1 + S2 users), that'd be close to 500GB. And that's a hella lot of bandwidth just for skins
It only takes me a few seconds to remove a skin, and another few to upload another one. That's maybe 15 seconds used to replace one of your 48 skins with another, which really isn't a lot. Even if you drive every car (which I highly doubt everyone does), you can still have 2 skins uploaded per car, with a few slots left for helmets. Just upload your 2 most commonly used skins, and change when you want to