"Chest" and "Pants" are no longer categories. Both are replaced by a single "Outfit" category. So in effect, no one will be running around bottomless without also running around topless (excepting the underwear the base model still wears).
It's natural to look at 1.0 through A21 eyes, but players will adjust as they always have. For instance, no one talks about "Wellness" anymore, because that's no longer a stat in the game's design. I think combining clothing and armor into one system in the first place will be the bigger adjustment, more than changing from 5 armor slots to 4.
I wouldn't attribute this change to a "dumbing down". It was not intellectually difficult or deep gameplay for players to manage a shirt slot separate from a pants slot. The biggest reason I've discerned for combining some slots was to eliminate a lot of clipping headaches, where one article of clothing stuck through another. Or even if they wouldn't clip, the clothing had to be unnatural...
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