I think if a system like that were made, it should be applied only where reasonable... power armor, or vault suits, shouldn't be able to stripped down. One thing I want removed is those damn awful, stupid underwear that apparently everyone has in the whole DC/Mojave area. Seriously, why does every man in the whole state have the same cotton shirt? Why does every women have the same sports bra? And why are they so flawlessly clean? That's just alienating from immersion. I much prefer the underclothes in Oblivion/Skyrim. Just reasonable undergarments.