It comes out more semi-formal on males (buttoned up to the neck) and **** on females. I was gonna say something about over-sexualization of females, but oh well. :P
Yeah, I think that's pretty much how the dev. team does it, too. XD Dev. 1:
"Hey, do you think that we're making too many slutty and/or stupid female characters and demeaning women in general? I mean, the Miqo'te companion, the Hyur companion, all the sexual innuendos... maybe it's time to make a strong female character again -- you know, like Shantotto, or Prishe, or even Naja." Dev. 2:
"Yea dude, but boobs." Dev. 1:
"That's true, bro, boobs."