I’ve had this vague memory of another game knocking around in my head for days, finally figured it out. Project Bob (Ravenous’ Uncle) has a clothes system, the game is pretty rough but it does function for the most part.
Then if we really want to stretch (heh) a bit further there’s Fatocracy, a mod for Crusader Kings 2 that also features clothes-ripping shenanigans. A lot of the events contain placeholder text, but there’s still a decent chunk of content to mess with.