I always found it amusing how many of the undergarments actually offer more body coverage than some of the armor sets. What happens to your underwear? Do they take it off while wearing the armor, and if so why does it still confer it's bonuses?
Eorzea is full of little mysteries...
Still, running about in your underwear isn't recommended. Not only does it provide minimal resistance against wild beasts (by which I mean the opposite gender, not just the monsters), but it's also tricky to change out of while retaining your modesty since Eorzea lacks changing rooms.
On the upside, you can dye it a multitude of colours, so if nothing else you can tailor your undies to your personal tastes.
Edited, Dec 2nd 2011 12:36am by Glitterhands
FFXI: Siren Server: Seiowan Lvl 99 WHM, SCH, BLM
FFXIV: Ragnarok Server: Lemuria Glitterhands All Classes 50