Well, the main reasoning here was there are certain underwear items for females, which do cover the bottom part of the body, but the default bottom underwear still remain visible, and it didn’t look well. So the end character wasn’t indeed naked – but the default layer was still visible even though it shouldn’t have been. There were two choices, either to separate the underwear to more categories and make sure that all relevant cloths disable the default one or to make the default one also removable. The latter obviously has other usages, which I’m not really informed about. 🙂