I think you miss the point, as does anyone else who makes this kind of suggestion. You can’t ask the developers to change the type of content it has available to a platform of players without going through the ratings company first. In Europe, they don’t really care and as far as I’ve read they have a free DLC to unlock the nudity settings if they are on xbox (not sure about ps4, I’d imagine so). This is allowed by the region’s rating policy and what a game is allowed to sell on their platform.
The problem with doing that in the US (and perhaps other regions face this too), is that their ratings policy would rate this game AO (Adult only) if it had full nudity in place. This meant a problem for the developers, whether they can even reach their target audience members if they had kept this game as AO because it would of not been on console otherwise. I don’t know the full details other than that’s what I’ve read on when they came to the decision from day 1.
TL;DR it’s not the Funcom’s decision to add full nudity as they please to all platforms. The fact that there is any nudity just proves they are not against the idea, it’s a ratings issue which they cannot dictate.