>>2292789>First of all, thanks for taking your time to create these write-ups.No problem. Coming up with ideas for games is my idea of fun.
Anyways, the combat stripping loop could be solved by putting it as part of a larger failure spectrum. You don't wind up naked from a single unblocked hit, but instead, your armor slowly loses it's condition until it completely breaks apart. There'd be some cue that your clothes are nearly ruined and the player would have to make the decision whether to continue onward or call it a day and head home. Even if their armor is broken, this could potentially have some advantages. For example, earlier I mentioned how heavy armor might slow the player down and light armor might make them more nimble. Being completely naked could come with a boost to your dodge chance and critical hit-rate so players don't feel like their run of a dungeon is ruined just because they took too much clothing damage. Players may even build their character around avoiding damage and dealing critical hits, so being a nudist might actually be viable (you know, right up until you need to make your way back home).
Basically, the player won't think "Oh, I lost my clothes right before the boss, I guess I'll reload." But instead, "Oh, I lost my clothes. Guess I'll switch to a dagger."
Add in a few ways to mitigate clothing damage to prevent armor breaks from stopping the game in it's tracks. (Buy sewing kits at the store to fix your clothes whenever you want to, but at the cost of some inventory space and gold.) Players might also want to save these sewing kits and just make the sprint home naked, hoping they don't get caught. The Comic Relief NPC at your HQ can also be a seamstress/armorer. Every time you rest there, she'll automatically repair any armor and clothing, no matter how damaged it is. I agree with your sentiment that setbacks should always be minor, never something worth resetting the game over.