Since I don't see this posted anywhere/much on the CDPR forums I will spam this info into all nudity-related threads to raise attention to the devs.
This is
definitely a bug with a 100% reproduction rate (at least on PC which is my platform of choice). Steps to trigger full nudity:
1. [Obvious]
Nude censor must be
off and character must have been
created with the
genitals option
2. Open inventory, open "Lower body", and
spam pants on/off until A) Character
appears bottomless in inventory; B) Pants appear to be
equipped in the lower body slot. This will trigger bottomless first person view including car/bike view (that also works in photomode), but will not appear in mirrors or in the regular (non-vehicular) photomode view.
3. To enable full nudity, start a
dialogue with another character. While the dialogue is ongoing, go to inventory, and unequip the pants that are still shown as equipped. This will now show V in their full naked glory in the first person view, mirrors and in the photomode.
4. [Note] This will only work in your current playtime (game restart will revert all the changes), also picking up other clothes OR finishing a quest in my experience have also reverted my character back to wearing their underwear.
Someone else also posted a video of how to enable nudity @
, it's the same steps but you can actually seem them being performed.