[QUESTION]

Firstly, and most importantly: Xena is a warrior queen, more agile than any elf, and fights with a skill unattainable to ordinary people! In one episode, she outfought the god of war himself, and is even supposedly his daughter!
Secondly, during combat, she uses the environment and performs various jumps, twists, and acrobatic maneuvers, so no heavy armor or chainmail would suit her!
Thirdly, the series takes place in an ancient world, and besides Roman legionaries, almost no one in the entire series wears armor better than leather, and mostly they wear ordinary clothes!
Fourthly, if anyone can be accused of impractical attire, it's not Xena, but Gabrielle, who in the beginning of the series wore simple peasant clothes, and then changed to a skirt and a top with an exposed midriff! Or Callisto, who dresses like this: , although she is not inferior to the warrior queen in agility and combat skills! In the series, the creators have taken enough care to ensure that there are no parallels between the heroines' attire and the artwork of Red Sonja!
And fifthly, during the series, Xena sometimes gets injured in these very "vulnerable areas"! So everything is fair!