Seeing the amount of times that happens in real life, specially in Russia. I have to hardly disagree.
Besides if being "in their right mind" was the focus of this game then 90% of events and choices would go.
I may have been living a more sheltered life than I thought

, but as you say, it is a game, fair enough...
At least a cheat to bypass the restriction of leaving the place without clothes would be enough for me, even if it breaks shit elsewhere.
Not sure why you want to have your girl naked with no reaction in game, but as a work around, get inside your house (or any other place you can get naked), enter the menu, select the cheat menu, and teleport yourself wherever you want. But as you said, it may "breaks shit elsewhere" (thought to be fair, I doubt it will).
A little bit more complicated, but it can be done without cheating, you can have your girl travel to Gadukino forest, get naked there, and if you have the teleport magic from the fairy (If you are using the Cursed Schoolgirl start), teleport yourself to a different circle of trees. But as I said... there will be no reaction. I have just tested it doing exactly that, travel back to Pavlovsk, and entering the commercial district.