I had watched a scene in The Witcher 3 where the alternate PC was basically just sitting in a bath house just chatting away with a couple other women. All where completely topless ... which of course makes perfect sense considering they were in a steaming hot bath house. One of the women was even elderly and completely topless. Didn't look that great but again, it just made perfect sense. No six, no flirting and anything suggestive, just nudity where it made perfect sense to be there.
I've read others saying here that they wish there wasn't any 'painted on' underwear in this game. That when they strip someone to loot their body that it leaves a completely nvde body. Personally I have no problem with the underwear being on in this case sense as I can't imagine why I would take the underwear off a corpse.
Anyway there are times in the FO games where being naked would make sense. Say for example the strippers in FONV. But would anyone really want that or need that?
Personally I kind of like it the way it is, or if there was nudity at least the option to have the 'painted underwear'. It's just that the bath house scene just seemed so natural and made so much sense that it would have just been awkward to have seen all the women wearing towels ... just because.