y does no one comment on my guy being in his underwear
Because people are too polite to mention it, that's why.
However, when I accidentally walked through Solitude in my underwear (because making the "take" button act as an "equip" button in one half of the container menu - rather than, say,
"store" - could
never lead to annoying mis-clicks, oh no), one of the kids playing tag was highly amused and shouted "Naked naked naked!" I'm sure his parents were ashamed at his lack of discretion.