i will admit i have always wondered the same thing. i also really don't think Mizore's or Kurumu's outfits signify there monster forms. Yukari's definitly does with the whole witch's hat and cape.
I think Kurumu's outfit is the way it is because due to her umm.. traits it reveals more of her form where as if she were wearing the standard uniform it would cover and hide her body more since there is that jacket like part of the uniform. Also with Mizore's outfit i personally think that more so shows off her different personality, almost like she is showing that she is not part of the majority but is her own unique person and her outfit i think says that about her perfectly.
Well that is my best answer for this question but just like the tootsie pop the world may never know.