Are you sure it's not so good BECAUSE she's naked
Horo doesn't need clothes...
I personally like the first one, I think it's cute. Though the apple looks somewhat too large.
The second one is also good, but like you, I would not be able to display it anywhere without feeling a bit off. You could always make her some clothes, since she already requires assembly, why not make some little clothes. That's far beyond me, but seems like a valid idea.
I can also tell you first hand that the TAKI Horo is terrible. And that Cospa's Horo, her tail is disgusting without the skirt on. With it on, I find her pretty decent.