so it turns out h3sprite.lod (which contains things like in-game sprites and buildings) also has an animation, which looks like this when you unroll the frames.
And the H3BITMAP.LOD file also contains PLAYERS.PAL:
This palette is never applied directly. Instead, 32-color long chunks get overwritten over the dialogbox animation's last 32 colors. Then it can show dialog boxes for each of the 8 players.