Unrelated to the mod, but related to the bug maybe: I saw a caravan guard(not a provisioner, but a guard to the Doc or someone), wearing external armor pieces, but no under clothes. I traded with him and he had clothes in his inventory, he just wasn't wearing it. So the bug might not be solely from your mod, but it might amplify the problem? Also a sidenote: I really wish settlers had names(either job related or random names). I had a couple ideas on how to do this, and tried earlier to look around FO4Edit, but couldn't find anything to support it. :(