They would be nice, but only if Bethesda can manage realistic cloth physics that both look natural and don't case clipping issues. Otherwise, I'd rather not have them.
As for armor:
1.)
2.) I want more customization in armor. I would like to once again be able to wear clothing underneath armor, robes/cloaks/etc. over armor. I would like pauldrons separated both from the cuirass slot and from each other, and gloves separated from each other as well.
3.) Yes, this is how it worked in Morrowind. No, wishing for this system, or at the very least, a similar one, does not make me a Morrowind fanatic. It makes me a person who liked the system the game used and would now like it to return.