Im using some Bikini's as Armor at my chars but get told to dress properly anytime from the NPC's. That's way too much Realism for me ;) In the Creation Kit Help it says " ArmorAddons are also used to define the base creature or NPC and are generally differentiated with a "Naked" prefix. An NPC that wears armor must, therefore, be defined using all of the parts that can be replaced - head, torso, hands, feet and tails. " What`s with the Player character? Which Setting determines that im " nude " for the NPC`s ?