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Gender R[u]les
(beehaw.org)
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Are the any games that have armor like this, but they're actual items you can find? You could be playing as a male protagonist and find some female armor, then just put it on.
Zelda doesn't count because there's no female protagonist option.
fallout 4 lets you wear anything regardless of gender. also skyrim's hide armor is much more revealing on men than women
bonus: dead rising 1 and 2 let you wear anything but there is no female protag