@Kirby Like mad said change the 0100 to 0000 in the ide.img. Not the code that spawns characters its a different code that should be in the beginning of the name. I did this and all the girls are not immune to grapples it's kind of annoying because you cant get the extra health for the trainer.
To get around the trainer deal...just set yourself to have regenerating health. That is in pedstats.
This is my value for mine
STAT_PLAYER none 20 100 12 200 5000
the 5000 is where the health regenerating value is. I don't remember what it is by default.....0 most likely....bit the higher the number...the faster the regeneration is. This makes you almost invincible but you are not immune to falling damage or a mass melee attack by several peds.