Hmm.

Y'know, there is more than one reason to have genitalia than porn. And nudity does not equate to porn. 

1. Dynamic cloth draping: The Uncanny Valley is merciless. and the only people who have no clue about how things drape and hang and deform based on movement over structure are those who have been blind from birth. Everyone else has been seeing it in movies and still art and video and real life since they were born. Example: the troll in Moria in 'Fellowship of the Ring'. He had integrated grapefruits and chubby. Why? Because of that dynamic loincloth. That applies to breasts and the vulvar area. If the structures are not reasonably accurate, d-cloth will not lay or behave correctly.

2. Visual correctness: I animate. And the lack of tackle can be a serious issue, because the pubic area is quite visible when you sit, kneel, bend, walk, stretch, etc. Lack of plumbing stands out. Blatantly. And sure, you can use camera angles and convenient props to cover the naughty section(s). See 'Beowulf fights Grendel' to get an idea of just how contrived and juvenile that kind of dodge is.

3. Motion integration: It sounds simple. Just glue a special prop on and be done with it. Doesn't work. The whole pubic area is elastic, and deforms significantly. And that which is not attached will betray you. Try putting prop coochie on your favorite figure. Scale and translate it to fit a standing arms down pose. Now use Poser Physics to toss and ragdoll. OOOOps. Prop doesn't change as figure does. If the initial kick is sufficient, it overrides the parenting. Imagine, your hard animated figure gets tossed....and Willard's Willie & Bobbie's Bearded Clam(tm) are left hanging in midair. Good for a gag reel; not so good if you are trying to tell a story.

Notice that none of the above involve sex. Just clothing drapes and behaviors in motion that can and will break disbelief.