The astral lounge feels like it changed late in development, and you look at outer worlds, also made by microsoft, theres no libido either. The same sort of high collar, long sleeve outfits prevail there. And Fo4 features slinky sequin dresses, a superhero caveman outfit, and whatever Irma is wearing.
I dont think that particular shot was called by Todd.
The naughtiest thing in their games without mods was a nudy bar in Morrowind where the “naked” women weren’t even actually nude. I highly doubt the PG aspects were because of anyone other than their own style.
well in arena and i think daggerfall the player character had fully rendered nudity. but that was it. bethesda never really had much nudity in their games