The alternative (as seen in the original image) is just plain stupid. Armor like should be saved for the bedroom... Or a slutty Halloween costume, I guess.
I can see helping to put on or take off armour to have potential for tender intimacy - not the raunchy sexual kind, more like reaching beneath the plate to adjust the doublet, asking if it sits right now? Pulling the straps, checking the articulation of the faulds, the seat of the pants so the ride won't leave her sore, straightening out her mail voiders, using a piece if char to draw a heart on the gorget, a cheesy pun about gorgetous, a squeeze of her arm before affixing the gauntlet. A last kiss on the cheek before she pulls up the hauberk and dons the helmet, helping her mount, handing her the lance, and off she goes to bring the thunder.
Shit, did I just write knightly romance?
(War is a gruesome business, mind, but this romantisation of medieval warfare would fit right in with people like Bertran de Born, who was quite convinced that war is awesome. That doesn't reflect my view, but as an epoch piece, it would be fairly accurate.)
The Secret World was awesome about that. Clothing doesn't mean shit against demons. Dress however you want; the talismans you wear provide the protection.
I remember a webcomic, Mac Hall, (now Three Panel Soul by the same creators iirc) about a female video game character's singular mission to find actual pants.
As a result "TTP" or "Time To Pants" became a personal metric on how much faith I was going to have in a game's art direction.
It does though, you can customize your face and body. The body customization is pretty limited (fat/medium/small) but the face can be changed a lot to be unique.
This reminds me of my first account in Eve Online. I spent two hours in character creation, in awe with the graphics, hyped by what would come next...to never see my character in the game.
Character creation was just a glorified creation tool for HUD avatar.
The pain is real
alternatively, most armor sets in the elder scrolls just show similar amounts of skin for both genders. If one is full plate then so is the other. If one shows skin, so does the other as well.
I liked this about the first Mass Effect - your teammates all wore proper battlesuits. But of course, 2 and 3 decided fanservice was better than protection...
Yeah pretty lazy, I like Monster Hunter, and with Wilds they will finally let any character wear the variant they want, so men can finally look cute. They are finally forgiven for covering the belly window from the Nargacuga male armor.
While the question asked is a dumb one, it does bring up an interesting point: There's a surprising number of historical outfits for soldiers where they'd wear "skirts" of a fashion. Roman legionnaires being a classic example.
It's kind of just an easy way to apply armor that protects the groin area without being complicated to design. No one's curving a blade in between your thighs in battle.