While the OP has some...let's just say "communications issues," he does have a valid point.
We can all (well, most of us) agree that nudity in no way makes for an interesting or compelling game. Hell, nine times out of ten its just a gimmick that could easily be taken out of the game with no change whatsoever to the story. However, its the story that should take top priority for the game. Combat, crafting, all those things are just mechanics that can be tweaked, or even replaced, to improve a gameplay, but its the story that brings in a player and ultimately keeps him or her. And on this, an M rating would allow for a better chance at a good story.
Now, having said that, the devs shouldn't be aiming for an M rating; just write the story, and let the Ratings Board figure it out. But if the game is actively aiming for a T rating, then the writers are going to deliberately gimp themselves to ensure that they meet that rating. And as I've pointed out in a (much) earlier thread about this same topic, while a T rating doesn't mean you can't have a great and compelling story (say what you will about TOR, that game has definitely proved you can have a great story with a T rating), it does increase the likelihood that we have things like the classic WoW poop quests included in the game. Or worse, an over-reliance on Haris Pilton or Harrison Jones jokes. I'm not saying that those types of quests and NPCs will be in this game if it gets a T rating, but the chances of them happening are greater.
This is supposed to be a dark world, a dangerous world. Nasty things are happening around us, and nasty things are trying to kill us, or worse. I want that tone in this game, and I want the story to reflect this. Write the story as you think it should be written, Zenimax, and don't worry about what the rating will be. If it looks like its going to be a T rating, then that's what it will be. But if its looking like it'll be an M rating, then don't haul up on the reins to aim for that supposedly coveted T rating. You'll only hurt yourself in the end.