there are lots of reasons to have what you are talking about.. its not just cause people are lazy. the game is kinda limited on what you can do with armor. i have modded several hentai's stuff for oblivion to fit skyrim and i know what you mean.. some of his stuff he cuts the body up, so if you want to say not wear gloves, you wont have any arms, or of you dont wear the boots you wont have legs. he does this cause its easier to keep clipping down. ive done it on a few of my armor that ive made, cause you can get the mesh more skin tight without any clipping if you dont have a body under it. its really not possible to make a suit tho that will be fully compatible with every mix and match option in the game. when you make a top, it has to fit the bottom, the shoes have to fit the legs and the gloves have to fit the arms. if you dont make it fit all together (a complete suit) and just make each piece separate, i promise it will not have the look you are after when put together.