I'm not sure I understand, so you want combing off for perimeters (retracts) but you want combing on for perimeters to eliminate defects? When you say outer walls you mean perimeters yes?
Yes, of course "No Skin" with no z-hop will still scratch, but not ooze. But this "No Skin" setting will do a standard retract, including z-hop. So you already have z-hop on skin. Am I missing something here too? You want z-hop without retract on skin?