Hmm, just found this by searching NifScript. Lesse...
I like that idea, but I can't think of any way to detect how much a particular outfit covers the player (to detect stripperific outfits). Technically, all armors replace the body rather than covering it, with skimpy outfits simply including new flesh portions.
If you could somehow check how much of the mesh was "Material:Skin" as opposed to "Material:Steel" or "Material:Leather" or whatever, then it might be possible, but I don't know if anything could do that.
Nifscript would be the most likely suspect, but it strikes me as an awfully complicated request for a specific mod.
Methinks it would not work. Most armors still have the entire torso (or leg or hips or whatever) model underneath the armor, so you'd get the full nvde body underneath, so the Material: Skin pieces should be pretty much identical from armor to armor. And I have absolutely no idea how you'd tell how "large" or "covering" the rest of the pieces are, anyway. I suppose if I gave you the full list of vertices and their positions, you could calculate it, but that would in effect mean coding a Nif-renderer in Oblivion script (!). So uh. I don't think this will happen.