If the game was truly realistic, Sophia, like most wives & mothers, would wear modest, if not downright frumpy clothes at least 90% of the time. As it is, she's wealthy & has a rich woman's extensive wardrobe, which she makes full use of. She sometimes gets changed several times in one day. You could say she's a bit of a "clothes horse." IMHO I don't think Sophia is especially prone to wearing modest clothes. She usually dresses in a stylish, sexy mode.
Speaking of clothes, I've said before that it would be nice to see Sophia wear the same items that she's had on before, now & again. This would not only be realistic but would give the chance to see again some very sexy outfits. Only royalty & film stars tend never to be seen in the same thing twice but even this is changing.