Well I get upset when people love that features are stripped, content removed and options dumbed down, so that balances out to a nice zero I suppose.
And I get upset when people can't stop complaining about trivial matters. Customization is important, but for the umpteenth time: if you want customization at the price of gameplay or story-telling, go play the Sims. Then you can customize almost everything and you can work with sliders and whatnot to create the character you truly want. And then the game is pretty much over...
It would be AWESOME to wear clothing under armor, but there are a lot of reasons why it is to hard. First of all it would add another layer to the armor and that means that for each piece of clothing a new graphic should be made when merged with said armor (they would have to redo the spaces were the fabric comes out again and again for different styles) It would also mean a lot more time would be required to make the game. It would also make it harder not to have pieces of clothing clipping and it would make modding harder too. If you make your own armor set with the Creation Kit only to find out that your clothing clips through it svcks.
They probably had more reason's than that not to do it. Personally I don't care if I have 100 beards or 50 beards. As long as those 50 beards look awesome, I'm happy. It sure is a lot better than 100 crappy beards. Same thing applies to everything.
And no, they aren't "dumbing things down". They just try to make a game that runs smooth and that is intuitive and fun to play. Sliders are not fun. Walls of text aren't fun (except in dialogue, but even that has limits!) Numbers sure as hell aren't fun.
Exploring and enjoying the game is what it's all about. And seeing my clothes under my armor will make me happy for about 10 seconds. Gameplay will keep me happy for 50 hours at least.