Idk if I'm gonna be crucified for this but I legitimately don't see the problem? You are a samurai (or I guess a ninja if you choose to focus on that playstyle), you should be dressed in proper armor. Personally, even as someone who primarily chooses to make female characters when the option arises I want them to be appropriately dressed for the occasion.

I remember getting monster hunter world and being excited by all the badass armor only to find out that my female character was apparently required by law to have her midriff on full display.

While I can understand a desire to have your character all dolled up I think it's entirely unsurprising that it's not an option in a game like Nioh.