I'll have to defend Wayne. He's done a LOT of work that don't include T&A (just look at the War Weaver I posted above). That his art *has* T&A doesn't mean it's *only* T&A. His Pathfinder Sorcerer may have T&A, but his Cleric and Paladin don't (well, the *do* have T&A, but they're hidden away).
To cut him some slack, I don't believe Wayne Reynolds actually designed those characters. Unfortunately, if this is true, cutting him slack for Seoni means he can't get credit for Seela. If he did create them, then he's gonna have to do a
whole lot of backfilling to get out of the T&A hole that Seoni alone digs for him.
To hit up some of the other points along the road.
Obviously impractical things like stilettos are probably best left out. Some people(man and women) will value sexuality over practicality at all times. This is probably best left up to the magical types who for them the difference between "armor" and "no armor" is a silk robe. Wearing or not wearing that +1 isn't going to make or break their level of protection.
On that note: I remember playing an Avenger, and the feats related to armor bonuses kept mentioning "cloth or no armor" to the point like I felt like it was advocating I should have my character wear nothing at all! I settled for somewhere in the realm of scantly clad. She died to a black dragon all the same.
As always: a player's character's specific look should be as fantastic, unrealistic, functional or mundane as they want it to be.
Photographs would be neat, but the style may just be too drastically different to put them into a book with a lot of stylized art. The contrast would just be too big I think. Plus there's often licensing issues for imagery of famous castles, churches, caverns, ect... Maybe a particular book like a guide to setting building could take from real world imagery. IMO: the best settings are the ones that use the real-world as a guideline for how nature, civilizations/people, and creatures would behave.