The Hat isn't going to be a hair style like Fran's since we know from the official art and the CG trailer what her hair actually looks like. What I think is happening here is she is A) trying to not draw attention to herself and doing a terrible job at it or B) since it snows a lot in Old Sharlayan maybe her ears got cold. Guess we'll find out the reason in a little over 4 days from now.

As for Hats, Yoshi-P did say they are working on it in an informal Q&A. Now how long that will take who knows but I have a feeling that it isn't going to be a back burner project since they didn't follow though with the "For lack of hats you'll have more unique hair styles" part back in Shadowbringers which I'm sure they know that they burned players with that statement.

I would say 8.0 would be a safe bet for hats since they should have cleared the plate from the Graphics update and race development by that point. It could quite possibly be with 7.0 (maybe with the style of the gear) that hat options are easier to implement until they have the whole system figured out to get all hats to work. All we can do is wait at this point and hope for the best.