I can go either way. With Skyrim, my kids started playing it, so I defaulted to an underwear texture instead of nvde.
When I think of the term "nvde patch" I think back to Tomb Raider, where you have Lara Croft climbing stone ledges and fighting dinosaurs completely naked. That's more of a novelty thing and, in my opinion, fairly immature. There's no proper context for the nudity - it's gratuitous.
I think there are certainly people who use nvde textures and turn into Beavis and Butthead, and I think they give people who do it for RP or realism purposes a bad name.
That being said, I also go for realistic nudity and body shapes for both males and females. My favorite Skyrim body texture (the name escapes me) added a slightly aged look to the skin with moles and other skin imperfections. I used CBBE with the most realistic and moderate female forms.