i think morrowind advanced has nvde harpies.
i think avoiding nudity is a valid reason if you have strict parents, or are in an area where nudity could get you into real trouble fast.
Eh, I think we are a country ruled by prudes, being forced into political correctness by those amongst us whose morality is far superior to our own. :lmao: Yeah, right. I won't even begin to follow that train of thought. There is nothing wrong with the naked human body. Society is so intent on telling us its "bad" that we as a nation have become obsessed with sixuality. That's probably why we have more raqes, pedophiles etc than most other nations combined. But I digress. Sorry.
Most body replacers/textures that I have seen offer an "underwear" version. Or there are versions out there that do that specifically. As for creatures, I guess I never thought about harpys and the like wandering around sans shirt. Must get cold in the higher elevations. Maybe someone should come up with a definitive list on creatures/texture replacers/etc that include nudity so that the younglings can be protected from nature. Or au naturel.