Most of the armors is designed to show skin, even the armor examples in character generator show skin, most of the female NPCs show skin, and my own character can't! And you loose more than a bit defense at highlevel as you can get gemmed shirt/pants. And this is AD&D not real life, its almost lore breaking if a female…
I got a toon stuck in loading protectors enclave, but able to log an other toon in just fine also in protectors enclave. When I start the game in safe mode, I can log in both toons. :)