lol that was my first thought too.
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I'm guessing you've never seen a miqo'te wear Evenstar body?
I'm pretty sure they actually designed tail holes into the armor in 1.0. I quit 1.0 a really long time ago, but I remember the tail holes. This was completely removed in 2.0 probably because they got tired of adding tail holes to everything they designed. So now our tails just clip through everything all the time.
Of course every race's hair clips though everything too, and they even design armor with lots of narrow high collars at the neck area with a complete lack of regard for the hair clipping right through it. They just don't care about the clipping of things in this game I guess.
Only a single one armor armored the tail. We have something like this also in ARR, but with cloth instead with scale plates. But it miss the animation.
About the male tail, it is this way because the tail have a curve at the start to the side instead to be straight like the female tail.
Change to female Miqo'te and you will see an improvement ^^
Lets hope they take the time to fix this in Heavensward...? Probably not. Nothing is easy to fix in a game of this size, there are tons of things to consider that would make an easy job for an amateur a helltask for a developer of the game.
I was not aware Miqo'tes had literal tail armor though...that's pretty awesome. But it's gone now, just like the super sexy physics-assisted animation and the supple miqo'te derriere...but let's not start that up again, please.
Honestly, FFXIV ARR is such an anomaly in Square Enix's recent game history that I would fear giving them more excuses to not do things, because this company loves them some excuses. If they say altering miqote armor is too tough, then i just...i just let it happen.