you could make some clothing, just not a lot, like for example, you could have a bit of cloth hanging down between your players/NPCs legs, or you could have a cape on there back, or some sort of thing, dangling off there arms.
Its up to you, and it can be done, just texture the rest or the part of the bady, that you wont to have clothing, add you cloth dangling, and texture that with a texture that match's the rest of you clothing texture, and hay presto, you now have clothing that looks like it hang from your player / NPC, and it will react to the movement of your player / NPC / bullets etc.
hope this has bin of some uses
From the dark and in to the light, twisted the body of madness, dark souls to only the one who would be called, Death lord of the dead, king of the forgotten, keep of lost souls.