Magical clothing items, such a bikini in the case of this topic, provide far greater protection than any physically tough shielding. Doesn't matter if you somehow manage to get armor as tough as a five foot thick titanium wall, magic-based protection always trumps BS armor.

Beyond that you also get a far better game experience with normal clothing instead of walking cans....oh look another wannabe can, let me cook it for a bit.

Let there be bikini.