You mean that your idea of roleplaying a charismatic and charming character is for him not to pay attention to his attire, and not pick the clothes that fit the social situations he's in?
You have a weird notion of roleplaying, but whatever.
And changing gear isn't exactly cheating, or even exploiting the game: it's how it is intended to be played.
I suppose you have a fighter in your group, and wouldn't he think that maybe his fire sword is inadequate against fire ennemies, and that maybe, just maybe, he should take his ice sword (and his fireproof gear)?
Seeing that your style hasn't changed, I guess you indeed didn't understand the punctuation remark and I will simply reassure you: you will not be affected by any suggestion I make (especially since they aren't likely at all to be taken seriously by the devs), and I'm not really interested by your viewpoint because you are I are different kind of players.
It would be difficult for anyone to make any suggestion if those had to cater to everyone's style of play.