I'd like to have different clothing for different environments.
When the protagonists go to battle, they should wear armor that is more or less realistic battle armor. Something in between the two extremes from the first picture in this thread. Armor that leaves body parts unprotected should have a lower armor rating. Armor that is too heavy should give some penalties elsewhere.
But I think it would be nice if the protagonists could wear different clothing in non-combat situation. For example in Mass Effect 3, the main protagonist is wearing casual clothes when he/she's on board of the ship, or even in some side missions in Casinos and stuff. For not to this too complex, I would just let the player decide which clothes/armor the protagonists wear in any situation, preventing change only in combat.
