Well, regardless of how (or if) it's unlocked in the game, I edited the files so that the main character strips to her underwear instead of just unzipping her shorts. I only replaced animations that were already drawn, so certain animations will still revert back to wearing shorts (namely all H animations and a couple special attacks).
Also included are the rose+lotus edit shown above (with a little added humor), and I made the the saint's guard a bit thiccer just because. Obviously not professional quality edits, but they work fine, I think.
To use, simply overwrite your data.win file with the downloaded one.
Do note that the file size is almost double what it was due to not having access to native compression methods.
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