What armor my female ( and male) character wear completely depends on the RP that I am doing. If I am playing a woman of the reach, she will probably wear forsworn armor in The Reach and fur armor ( long sleaved w/pants) in the colder area's. Mages, cloth robes or clothing...seductress might wear the bar maid's clothing ( or something slightly more covering) My Vampire hunter is earing heavy DG armor.
My male's are the same way, they wear armor ( or cloth) that is appropriate to the RP. If that is the fur kilt, then that is what it is, if it's Dwemer so be it.
btw, my "sixy" outfit in RL is a pair of well fitting jeans ( Not skin tight) and a shirt-waister blouse, and a pair of mid-heeled boots. My husband hates what he call's Hootchie clothing, on me or anyone else.
Even he think's some of the moded armors are to skimpy