That's part of it, but characters like David don't even have the basics. Heck, even M3 doesn't have a nice formal suit. DAZ made V3 and SP wedding gowns, but no tux for M3. Maybe it's one of those Massachussetts weddings, with two brides and no groom. ;-)

Another odd thing is that male clothes tend to have far fewer morphs than female clothes. A lot of the barbarian armor sets and such out there don't have "barbarian" or "muscular" morphs built in. Which is really odd, since M3 in his default state looks more like an accountant than a warrior.