Er, I feel like you are replying to the wrong thread.
We're talking about cloths under and over armor right? I think customization is a good thing. You'd have your undergarments (that you cannot take off), then your normal garments, then your armor, then maybe a robe or something else that would fit over that.
I don't know what all combinations were possible in Morrowind and the other games, but I do know my Morrowind character had cloths, armor, and a robe over that.