Ok this bugs me. Like... A lot. Why do they sleep in their armor? When at a party, why don't they change clothes? They spend all day trudging through swamps and exploding goblins. That stuff has to smell.
I played D&D back in 2nd and 3rd editions, and if you slept in your armor you could not become well rested. Making ambushes at night a real thing to fear, as putting your armor on could take a few rounds.
Have a casual outfit selectable from a list or a slot on the equipment screen for "Clothes" and an assortment of outfits that have no armor stats or special abilities that you can use, then just make that the outfit we wear when in camp.
It makes me cringe every time I see my character laying on (not in) a sleeping bag in full plate. I guess Faerun doesn't get cold at night.