@EzekielRaiden, that's a thoughtful reply.
I have nothing against mechanical rigour, nor consistent fiction. But I'm not persuaded that classic D&D (4e is not an instance of classic D&D, I think almost self-evidently; DW is not an instance of D&D at all) has the relevant rigour.
For instance, classic D&D modules often have encounters with NPCs in "dungeons". Those NPCs are frequently armoured - they have to be, if their combat stats are to be mechanically adequate - in ways and contexts that would be quite incongruous in the real world. So how should they respond to armoured, and/or dirty/shabby, PCs? In my view it's very hard to extrapolate.
Gygax's PHB has a full page worth of equipment lists, including a heading "Clothing", but "finery" or its equivalent appears nowhere on it. (Rather, the list breaks out four categories of footwear.)
The contrast with (to pick two systems I know fairly well) Prince Valiant and Burning Wheel is very marked. Prince Valiant has an explicit category of modifiers for prestige, which are based in part on Fame (in Prince Valiant this is an amalgam of an XP number and a reputation number) and in part on fancy gear. The Burning Wheel equipment lists include a category of "finery", and in the rules commentary in the Adventure Burner/Codex, loss of or damage to finery is expressly flagged as a potentially significant event.
4e's equipment list does include "Fine clothing" (6 lb, 30 gp) but there is no elaboration in the item descriptions. And 4e has the same issue as classic D&D with the ubiquity of armour in order to make the system mechanics work should combat break out.