Nomura came up with the clothing damage angle in 3rd birthday, can;t really speak on Type-0.
As previously detailed, Nomura first suggested the gameplay system that sees main character Aya's clothing tear off as she incurs damage from the Twisted. As Aya incurs damage, she shows more skin, but enemy hit rates also become higher. Nomura believes that players who want to see Aya show more of herself will be faced with a dilemma as they play. During the game's design phase, he told Tabata that they should make sure Aya got weaker as her clothing tore off precisely because some players might purposely make her take damage just to see more of her body.
So how far can you go with the clothing? Nomura wouldn't say for sure. However, he recalled that when the staff had asked him how far they should go, he'd responded that bikini level should be okay. This is one area that we're going to have to experiment with on our own.
http://web.archive.org/web/20100830.../blog/2010/06/30/tetsuya_nomura_3rd_birthday/
I mean... It's kinda clever... I guess.