Look, I know this is a fantasy setting and all, but all evidence seems to show that in the Elder Scrolls universe being stabbed by a sword or shot with an arrow produces the same result as in real life. So why the hell would someone wear armor that exposes their vital organs? Even if that person has magical ability it still wouldn't make sense. Why would they run around with armor that weighs them down, is incredibly uncomfortable, and expensive if it does absolutely nothing to protect them? Why don't they just wear clothing then?
but there is also cultural reference, why would superb intelligent Altmeri woman put a skimpy suit, why not simply full body covering beautifully crafted elven armour/or simply leather one.
funny about this link is that person said that armour ( with uncovered arms ) is a good example of both feminine and functional - to me it looks like an invitation to cut artery - but yes, both males and females should use the same armours