This is my first blog post, it may be the last one, dunno how much time I'll be willing to spend on this.
 
Anyway, the logic of videogames may be shocking sometimes, double jumps, invisible walls, all that stuff... this post is dedicated to the clothing decisions. A big tough guy that would reflect a bullet thrown at him with his abs then you are strong enough to wear a heavy armor, not that he needs it, but it would give the sense of how tough he is, and so you will wear it, just because reflecting the bullet with your abs would be outrangeous, so there's the armor as an excuse for the bullet reflecting capabilities.
 
However, a girl with delicate skin will have to show it, an armor would be too heavy to use it, the more scantlidly dressed the better, for a greater freedom of movements. The more weight the slower she would be, and the chances of being hitted would increment, moreover, an armor would do nothing even the acceleration for the hit would be too painful. Even if you can see how the charecter is hit in fact it's just a model, the freedom of movements makes a punch harmless. It's like a sheet of paper, punch it in the air, it will be harmless, but if you hold it by the sides, as if it were heavier, you will break it.
 
That's why a loincloth with a bra is the preferred outfit for the nice ladies. So there it is, that's why things are the way they are, it's not fanservice nor anything like that, but pure logic.