Hate to say it, these things won't change at next patch or next expansion.

Unfortunately there's always going to be players that do this and aside from reporting them for harrassment to a GM/Blocking them, there's nothing else that can be really done. Some of the "Nude model" modes you talk about are third party applications that only change what the local player sees (basically you're replacing the textures/models used by your local copy of the game) so aside from forcing a game file check/replace every-time a user starts the game (which takes a while to process and would put many people off of playing if they have to wait an hour or more each time they want to play), there's no way for SE to know who is using it (unless they outright admit it), let alone stop it.

If you're talking about the in-game small-clothes, well, hate to say it - some of the actual gear in-game is more revealing and sexualizing than the small-clothes so if you got rid of small-clothes, those players would just find other gear to make themselves "naked" in-game.

I completely agree that such behavior has no place in an online game, but unfortunately it's the way of the world - every MMO has them and expecting SE to simply "do something about them" is like asking the Police/Governments to "do something" about rl sexual predators - it ain't gonna happen unless that person actually commits an offence. If it's a make/break situation for you, hate to say it but you may as well cancel your subscription and stick to single-player games.