Sacred Haven of Debauchery

Well, personally, I'd be fine with a version where everyone is aesthetic, beautiful, and looks like they just stepped off a magazine cover.

And yes, I'm exactly one of those people who'd be fine with the last option of chainmail panties for everyone without exception.

I was honestly a bit taken aback that you called the generic-looking woman ugly. She's, well, perfectly ordinary. There's nothing wrong with characters who don't look like fashion models. 95% of Earth's population looks like that, and they're doing just fine.

Overall, I think there should be variety. If everyone is a stunningly handsome beauty in chainmail panties, it'll get old fast. We need all kinds of folks — pretty ones, generic ones, and sketchy ones. Then, first of all, you can appreciate characters not for their cute face but for an interesting story, and secondly, against the contrast of ordinary people, the hot hunks and beauties will stand out better.
Though I'm a terrible person — I play Bethesda games with slightly file-polished vanilla NPCs rather than fully overhauled ones; in Fallout 4, the vanilla appearance suits me completely. But Fallout 4 is great precisely because, for once, Bethesda made incredibly charismatic companions (Nicky ❤).