I'm gonna take on the idiots perspective on this (i.e. the perspective where you haven' read the entire thread because there are bazillion of these and they never get anywhere); Feel free to ignore this, But:
1.If your character looks like a 12 year schoolgirl, then yeah, maybe you should put some clothing on her. Just a thought.
2.There are actually renders out there, that aren't nudes and look great anyway. Seriously there are. O_O. I'm not kidding. Honestly! Even in the poser gallery.Non nudes I tell you! You just have to know where to look. So, the 12 year old schoolgirl character might look great with some clothes on. Or so they tell me...

-Morbo will now introduce the candidates - Puny Human Number One, Puny Human Number Two, and Morbo's good friend Richard Nixon.
-Life can be hilariously cruel