Cursed models are assigned by function 'GetCharacterCursedModel' in "NK.c". The default cursed model for the player is indeed "Bmunk", but there are a lot of exceptions for special character models. Among them is "Orellana", which is what you'll be wearing if you're playing as Ricardo Orellana. "Orellana" with a Cortes curse turns into "Skelt", the same red-eyed skeleton as is used by the deck crew. And any variant of Jack Sparrow turns into "47_Jack_Skel".