One of my favorite mods in DOS2 allows you to clone the appearance of an item and apply it to your current gear. So my mage runs around in villager clothes, but I still have the bonuses of high level gear.
I absolutely can't have my characters go without conversation boosting equipment (such as +1 persuasion, set charisma to 18, etc, that old D&D games had). Meaning, I never went down to skivvies. Ever. But I support the choice to pick appearance. If my barbarian has "granny panties" to prevent chafing but sleeps in négligé then such should be my choice. Or perhaps my mage is modest because she's devoted her life to studies. Anything goes with a bard. Etc.
