If you follow the laws of anime (which most video games seem to do) it makes perfect sense.
#34 - Law of Probable Attire
(from various sources)
Clothing in anime follows certain predictable guidelines.
Female characters wear as little clothing as possible, regardless of whether it is socially or meteorologically appropriate. Any female with an excessive amount of clothing will invariably have her clothes ripped to shreds or torn off somehow. If there is no opportunity to tear off the afore-mentioned female's clothes, then she will inexplicably take a shower for no apparent reason (also known as the Gratuitous Shower Scene).
Whenever there is a headwind, Male characters invariably wear a long cloaks that don't hamper movement and billow out dramatically behind them.
First Corollary (Cryo-Adaptability) -
All anime characters are resistant to extremely cold temperatures, and do not need to wear heavy or warm clothing in snow.
Second Corollary (Indecent Invulnerability) -
(from Nyctomania)
Bikinis render the wearer invulnerable to any form of damage.
Anyone ever read the laws of anime? For anime fans out their it's a must.
http://www.lawsofanime.com/