Warrior armor: ring, plate armor. Can be gender based but it's still armor! Ranger armor: Leather armor. Must be gender bases since it's tight fitting but covers everything. Mage armor: Clothing with magical "armor" (silk, cotton ...). Yes this could be the 'armor bikini' but class it up a bit and have a nice outfit.
ps: If you do want to implement the 'armor bikini' please have it increase the charisma or reputation stat of the woman. (eg: males give discounts and are distracted, females give you the stink eye.
Not in the mood for cheese? That excuse has more holes than a slice this fine Gorgombert!