If I create a new PE Hacker with default appearance settings and skills in the CityAdmin faction, then skip the tutorial, and go directly to the MC5 Main to MC5 Hack, on entering hacknet I am transported to hacknet just fine, alive.

However, if I create a character with the same settings, but with the jacket model selected in the appearance settings, I die instantly on entering the MC5 Main to MC5 Hack.

I have repeated this a few time with and without the jacket with the same results, but have not tried any other changes as it takes half an hour between character creations.