Of corse I am very much concerned about the intent on a topic of whenever or not a behavior is creepy. The intent is in my opinion a huge part of what makes this behavior creepy. I didn't go into the feelings of the victim as this varies too much, especially in an MMORPG, where everyone's attachment to their character are different, and some people themselves gladly take upskirt photos of their avatar to share while if I talked about real life this part would be much more focused on as almost no one would enjoy this. My main concern with your argument was in the comparasion of someone simply looking at you and going out of their way to take upskirt photos, which while not an everyday occurrence is still common enough to be creepy. Not by any necessity harmful as this is a game after all and anyone can see the model in their small clothes by just entering the character creation screen, but creepy and (as you said) rude, which is the topic.