As to choice going either to same result or game over, its quite a common happening as to games (most Renpy ones at least). Which is related to render production, an issue related to hardware and skills (still, mostly hardware ?). Thus the basic "one way then game over" is used, sometime we have developer adding in content (rare) or someone else see to add in (mod, as it has been done for DMD), then its related to the game structure among others things. No surprise there either.
All in all, not sure if it is something engine related (aka, if a better way would be possible ?).
Using OpenMW (not final yet) they are no render, only 3D model, who change clothing as long as both meshes and textures are provided (of course, its not that easy, bodytype then tints and others variables..).