The following should work:
  void main()
 {
 object oClothing = GetObjectByTag("my_object_tag");
 object oNPC= GetObjectByTag(my_npc_tag"); //insert the tag of the npc giving the object
 AssignCommand(oNPC,ActionGiveItem(oClothing , GetPCSpeaker());
 } 
 or, even simpler: 
 void main()
 {
 CreateItemOnObject("my_object_resref", GetFirstPC());
 } 
 When I try to complie the scriipt, the .ncs comes out cryptic and garbage.
 Well don't be surprised it the .ncs "comes out cryptic and garbage" when you open it with notepad . That's just normal as it can't be opened with notepad. If you want to learn more about *.ncs files, you can check this page: 
http://www.torlack.com/index.html?topics=nwndata_ncs) but as long as you have the source code (*.nss file) you don't have to bother with this. And if you happen not to have the source code, there's always the DEncs utility to help you.