Actually, I believe the Greeks and/or Romans may have worn undergarments that would have looked closer to the Elder Scrolls version (two-piece for females). Most undergarments were simple linen or wool. They may not have worn the same sort of underwear/bras that exist today, but they definitely worn undergarments. I don't think that nude models belong in STEP. I can understand the appeal of nude mods, but not the argument that they add to realism or immersion. Why would I bother taking their undergarments? They wouldn't have much intrinsic value, so why bother? I've tried a few, and they really break immersion for me. To me, adding nude models implies that my character must have taken the time to fully strip the corpses. Anyone who could afford the simplest form of armor, would definitely be able to afford some type of undergarment. Thick clothing would be worn under armor to help pad it. All but the very poorest would have some type of simple clothing to wear underneath their outergarments.
They would wear some form of gown underneath their outer clothing. People in similar historic periods (particularly in northern climates) almost always wore multiple layers of clothing. But in reality, the people of Skyrim should be wearing more underclothing, not less. Sorry, but I don't understand how nude mods are more 'realistic.' If they allowed you to remove the undergarments from someone, I could understand that argument.