If you remain naked, you get different conversation options with most NPCs.

I’d say some clothes had stat effects. Left outfit gives +2 Charisma and -1 Dex. Right outfit gives -3 Charisma but short rests have the effect of long rests

Well if I could quickly check how all clothes would fit on me without going to the store and without having to change clothes, I’d probably spend the same effort. Having a character creator would also be neato

If all it took were a couple of clicks to be in a badass outfit, I’d dress up too