Kiko has always worn clothing over her armor. However, she has light armor, and a loose kimono. The kimono I have always written as a way to muffle whatever noise the armor might make. It's not perfect, but it is, I thought, a grand idea to help a stealth inspired character.
Eternity
“Put some clothes on, you weird, yellow-eyed, table-dancing, werewolf-training, cryptic, stare-me-right-in-the-eyes-and-don't-even-blink wench.”
Thats more for flavor tho. I was speaking more to wearing clothing with a special effect (like those in the merchant area) and then wearing armor over that with another special effect. Trying to stack the effects.