I use one called lora:skirtliftTheAstonishing_skirtliftv1:1
It absolutely loves just doing a torso shot and cutting off the head even if I adjust the negative prompt to account for it. Making the resolution taller helps.
Most of these seem to b e bottomless rather than skirt lift, so you might want to add something about a skirt in the prompt. I don't normally see this, so think it might be something to do with the lab coat prompt.
This was produced with your prompt and negative, but i left everythin esle as the default. the checkpoint is realistic vision v13
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The one i use for shirt lift is lora:shirtliftALORAFor_shirtliftv1:1
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