This bug was supposed to have been fixed for Beta 0.86, but still exists for custom sovereigns. To see an example, go past the "Create Sovereign" pop-up; click the cancel button; back out to the "Who are you" pop-up; re-enter the "Create Character" facility; select female and create a sovereign, but do not select any clothes. The sovereign will appear fully clothed at this point. Play the game and obtain a helm. Remove any body armor and equip the helm. If you selected a male sovereign, the result is a topless male. If you selected a female sovereign, the result is woman in only a corset with cameltoe showing.