Though I have to throw in my point of agreement with jbear on this subject in regards to certain character concepts. Players that are heavily nature-oriented as well as swashbucklers, rogues/thieves and other charismatic types often "show skin" as part of their character. Nature-inclined types don't see the need for it, as they are fine just the want nature intended. More charisma-y types often play up their good looks, from sorcerers to bards and thieves and swashbucklers, a gleaming smile, exposed cleavage or legs, manly chest-hair and a well-muscled physique go a long way towards how these characters are played in MANY situations.