And if the highest armor rating is put on clothes that do not allow armor equipped, they end up naked. The power of Todd!
You can use this mod to make that almost never happen:
The predecessor of New Equipment Overhaul (NEO). Lightweight alternative to Armorsmith Extended or Unified Clothing Overhaul that doesn't require AWKCR.
www.nexusmods.com
In other news I have found that on a new game started on v1.0.4, Odette no longer gives dialog to start her quest. This has been reported in the help forum.