More clothing options become available with higher street cred.
Sure, but the point is, not all of them are, and honestly, there isn't much change between the lower street cred and higher street cred clothing.
But the point is, just walk around the city, or around the Nomad Camp, or through Pacifica, then try and recreate even half of the looks. You can't do it.
Then look at 99% of the cyberwear that people are sporting. Can't duplicate any of those.
Then look at all the cars driving around. Now try and buy 99% of them. They don't exist. Oh sure the model may exist, but the paint jobs, the convertibles, and modifications. Yeah those don't exist either.
Now go and change your character because you found an outfit that doesn't totally make you look like a gonk, but your hair and makeup and nails are all wrong for it. Oops... that didn't make it in either.
That's the point. We were told unparalleled character customization, and it was a lie. Hell Saints Row 2 came out in 2008 and it has better vehicle and character customization then this game does, and that was 12 years ago, so the technology is there, the coding is around. Mass Effect Andromeda came out in 2017, and for all it's faults, character creation was so much better then this. It's just that the devs got lazy and cut it all out, in favor of... well I'm not sure exactly what it was in favor of, because we got a lot less then they promised us in 2018, not more, and certainly nothing innovative.