Maybe the armor/clothing can be dependent on class. Like in D&D where you have clothing for mages/shadowdancers etc. and heavy armor for tanks.
TBH, I won't mind having a scantily clad mage if the character is supposed to fry enemies from a distance. On top of that, if the mage class has protective spells then actual armor is unnecessary. I mean spells like "mage armor", "shadow shield", "stone skin" etc.
