I'm a nudist/naturist at heart. I think the naked human body is beautiful, regardless of gender (despite being heterosexual). These swimsuits are fine, and honestly, I'd love to have more casual nudity in games. What I like about FFXI is that the women's proportions aren't seriously unnatural. Also, the quest/mission dialog is tame and not insulting.
What bothers me isn't anything in the graphics, but the subtle and overt verbal abuse by the players. if someone's harassing you for wearing a swimsuit or playing a female character, report it. In general, report all harassment. If SE let's that fly, then we've got a real problem.