In Oblivion and fallout and even new vegas, you could run about in your underoos at your leisure and not get a single disgusted look. I shouldn't be able to walk up to a woman in distress who will give me a quest to save her father when all I'm in is my skin! Personally, I would very much like it if people yelled at you to put some pants on, or women looked away out of embarrassment if you strolled down the street in the buff. And if you lounge about for too long, a guard will come up to you and ask you to pay the public indecency fine or go to jail.