If freebie - certainly, if for-sale product - depends on texturing options, details on close-up renders and such. People are rather picky when shelling out $$s.

Yes, piece of loin cloth is a nice idea so that it creates complete outfit (so that the user doesn't have to hide anything behind props or in postwork process). For the same reason it would be nice to chave something, anything on his chest/shoulders area - a sash, or armored collar, or shoulder pads, anything :)

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Outdated gallery over at DeviantArt

Fics at FanFiction.net and Archive of Our Own (AO3)