Tom and Xavier have been thinking about improvised clothing. One of the things we want to do in Rust is give people choice.
Yes there's no actual benefit to rubbing mud all over your cock and balls. But maybe you want to do that. And yes, putting tires on yourself like this still leaves you unprotected in many other areas. But the whole thing is about improvising. You don't have real clothes. You don't have much stuff. You don't have to smear mud on yourself if you don't want to. You don't have to put tires on your head of you don't want to. Your choice.