Original format files imported at runtime

ok so 1: DEFINATELY want to dodge any legal concerns.
2: main point: have a resources folder/etc where the player could place pngs, fbx, and wavs for use during runtime.

the pngs would be used for textures(or in a 2d game, entire sprite sheets),

player save files(encrypted or not),

c++ code that can be (compiled?) used at runtime as well (or at least compiled code),

fbx files that use existing player model bone structure and inherit its animations as such,

and wavs thatwould represent sound fx/character specific (or weapon) voice.

even better, if these things can be compressed within neat zips (and rar would be possible too with the official decompiler?)

the ideas of this are to allow customization, and I need to know if ue4 is capable of these things,
as it uses its own formats instead of unity using source formats.

so any information on this is much appreciated.
(and as I have read, there are quite a few legal bullets to dodge as well.)