I don't see why it wouldn't be free. You're just choosing not to wear a piece of equipment. There are no stats on the basewear so you don't have to stealth it like weapon stealthing to keep the bonus. You could just have the option not to wear it. The lookbook is where you'll see the competitive fashionistas who will be using all elements of their outfit. If you just want to see people with their basewear hidden I'm sure you can go to b69...
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