But she's supposed to be a free spirit!

Most NPCs (Non-Player Characters) have huge double standards when it comes to NPC versus Player character lack of wearing equipment. No NPCs in games I know of react to other NPCs not wearing anything, but if you do it, there can be all sorts of critical dialogue, and the irony in panel two is no exaggeration.

On rare occasions, however, NPCs will be in favor of it. In Fallout 4, you can actually gain some affinity with a follower named Cait by running around without anything on.