This is a good idea. Hey, why not add those hats to every caravan guard? Or change so that it applies to some other rare hats as well and give them to some NPCs who need it?
I don't have New Vegas, not yet at least, so I can't test this yet myself. But this doesn't matter because there is already a mod called "Healing Unit" for New Vegas by Gawl40 which adds armour which provides health regeneration. In fact, if something like that already existed for Fallout 3, I wouldn't have had to make this mod. Although "Healing Unit" will also work on the player character so it can be sort of a cheat I guess.
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Hey, why not add those hats to every caravan guard?
Or change so that it applies to some other rare hats as well and give them to some NPCs who need it?