Hey, guys, I'm new too, and hating that you have to run around in underwear at first. What's wrong with covering up from the get go? Not all of us want to show our skin!
There is some clothing on the Tops, Vest, and Bottoms layers, on top of those under-garments layers. Clothing isn't that expensive here though, so you shouldn't have trouble getting a little something early on. :]
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I tend to like the simplicity of my loin cloth. Although I admit it did make things awkward at my last job interview. Now I just wear the loin cloth In Game.
Welcome in. And feel free to dress up however you like! A large part of this game is definitely about dress up.
Hehe, as Chu noted, there is some other stuff to start out with in the sections mentioned. If you think of it, it's sorta like you're entering the wild with what little you have, and you have to work to build up your strength you know? I felt like pretending I was tarzan when I first started xP