Okay, well, whatever. Irrelevant none-the-less. Daggerfall could get away with a lot more not because of the team working on it, but because of the time period where some nudity and things like that were more common in fantasy settings like that.
That's just a society flaw... and not really my point. Different people equals different vision, and ego; Just look at Fallout these days. Todd Howard once used 'Fallout Tactics' as an example that turn based combat and Isometric style did not resonate with fans of the series; (ignoring that Tactics was not an RPG, but a linear mission, squad based strategy game ~Whose only redeeming feature IMO was the improved TB combat).
Oblivion was Teen rated though, granted. But I seem to vaguely recall him saying that he would not do nudity even if allowed. ~though I do not recall where that was printed.
It just seems like the series has changed due to creative differences. Maybe I am wrong, and it will be different in Skyrim.