Some good full-body armors can work with UNP (such as UNP Female Armors), and I prefer them considering the climate and the degree of combat involved. Others include
Alvin Hews Annika's get-ups, and
Leah's Armor Set.
As for me, I still roleplay as this Yoko Nakajima-like character, which means I wear osare's school uniform set most of the time, but uses Thieves' Guild kit when the situation calls for it.
Apart from the usual turn-on, there perhaps a reason why some like skimpy fantasy armor: think of the Conan movies or the covers of Heavy Metal issues, which have sexy warriors who don't seem to mind the cold or enemy blades, as they live in an alternate universe where fighters are in many ways durable and seemingly invulnerable.