Hail
well, naked skins in a 3d game should not be a problem. Worst come to worst, artists among us will create them.
What I _WOULD_ like to see is effects of being nude in the game ;-] And clothing in general
say you're a chick with high charisma and sex appeal trait, everyone "digs" you ;-]. If you be a n ugly guy, the people freak out and shoot you to death. This partially exists in F2. But wouldn't it be just FUN to stride into Lynette's office in birth suit and wave your thing at her face? ;-]
Or imagine naked Super Mutants chasing you... But nudity just for the sake of nudity... no need. I mean you want to masturbate, go pick up a porn mag or whatever...