I am not sure customisation of bodies should be a priority in a game your avatar is quite small unless you are in the inventory screen or in a cutscene. And as cutscenes are high definition, I agree clipping could be a real big issue.
Personally, as long as there are lots of different armor pieces and clothes as well as an extensive colour palette to choose from, I am fine. I would rather have them add more hoods and hats.
I dunno. I think appearance is pretty important in a game like this. A large part of the game will be seeing your character interacting with others in conversation, not to mention you can now zoom the camera in quite close. I will only really be zooming out to get a better view of larger fights or investigating new areas.
I don't personally mind a small amount of clipping as I find just about every game cuts corners when it comes to minor instances of it.
Just my thoughts.